23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

JP Morgan Chase, where I have multiple legitimate accounts, has allowed at least XXXX fraudulent credit card applications to opened in my name within XXXX months. I received a copy of the first application and it includes information regarding my address, email, and other details that is clearly inconsistent with my actual information that Chase has on file for my legitimate accounts. These credit card applications should have been immediately flagged and denied, without a credit check occurring. 

Chase 's credit card application process clearly lacks sufficient controls to avoid consumer fraud and suggests that Chase is permitting fraudulent cards to issue even where it has contradictory information available for the customer. The second of these fraudulent applications occurred after I completed the fraud reporting process with Chase, so even consumers who detect fraudulent activity on their accounts appear and spend the hours with Chase representatives to report this fraud are not protected. This conduct feels incredibly similar to prior misconduct at XXXX XXXX and other financial institutions that allowed unauthorized accounts to open in order to meet quotas or otherwise increase fees to the banks. 
These fraudulent cards and applications have significantly lowered my credit score, and I am unaware of any actions by Chase to proactively avoid future fraudulent applications from occurring.
Product: Checking or savings account

In late XX/XX/XXXX I ordered a stove from XXXX XXXX that cost {$720.00} to be delivered on XX/XX/XXXX in time for XXXX. The stove did not arrive and XXXX XXXX said that they could not schedule a delivery nor could they give me a refund until the stove was returned to inventory. XXXX XXXX said the stove was on a truck waiting to be delivered. XXXX XXXX refused to cancel the order. I ordered another stove and had it installed in time for XXXX. I filed a claim with my bank Wells Fargo and was given a temporary credit for {$720.00} while they investigate. I received notice that Wells Fargo had completed their investigation and the credit was permanent. On XX/XX/XXXX XXXX XXXX finally refunded my money. Wells Fargo did not take the credit back on that day instead they sent me a letter that I received last week stating that they would take the credit on XXXX XXXX. The issue that I had with that date is that I don't get my paycheck direct deposited until XX/XX/XXXX. I called multiple times to get the date moved but was told that the system generated the date. I questioned why the system would generate a date before my paycheck was direct deposited if not for me to incur excessive fees. I made multiple calls and was finally told that they had successfully moved the date and that I would not incur any fees associated with them taking the credit back. However, those were both lies. The credit was taken on XX/XX/XXXX and I have since incurred multiple fees because all the recurring payments that I already had set up have been returned and my account in now in the negative for almost {$750.00} and the amount is still going up.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX and I am submitting this complaint because there are multiple mistakes on my credit report. They are XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those items do not belong to me and should not be on my credit report at all. They are listed on Equifax, XXXX, and XXXX. Those are fraudulent items and they need to be removed asap. I will sue if these items are not removed asap.
Product: Mortgage

Citizens has been harassing me for payments they received! am paying for a refinanced loan taken in XXXX and paid additional payments approximately 3 - 4 times a year, it should have been paid in full by XXXX! They say not received XXXX 's payment yet they cashed XXXX 's payment on XXXX ( due to them stealing {$1100.00} from my account on XX/XX/XXXX, & cashed XXXX 's payment on XX/XX/XXXX for which I attached proof from my federal credit union 's investigation +, I paid XXXX 's mortgage payment and have never been more than XXXX days late even once/year, but Citizens reported me to the Credit Reporting Agencies ( CRAs ) falsely that I paid 3 times more than 30 days late to the CRA s then cash my check! 
I called Save Your Hoe Hotline and they informed me the week of XXXX XX/XX/XXXX that there were 2 other mortgages in my name which I originally thought must be the problem as I only got the original mortgage on XX/XX/XXXX, and refinanced in XXXX. For the 1st mortgage, I paid extra on the principal once or twice a year paying off in 1/2 the time! Now, the Loan # XXXX, I pay as aforementioned and it should have been paid in full no later than XXXX! I have continued paying extra on the principal but Citizens applies f my payments toward any account they decide without my authorization! I write the loan # on my check and do NOT have another loan with them but they say I do!? 
They're known to use illegal banking practices I learned from Enforcement Act infringed on for doing the same illegal banking practices they are doing to me! I have discovered over the years trying to force them to truly investigate and fix the amount owed but payments Citizens requested rises instead of declining but I owe XXXX!, 4 extra payments numerous times each year has loan as aforementioned paid by XXXX so i have been paying over " $ XXXX extra for 3 years or more! I complain and the follow-up after investigation letter always says there is no error but XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. all find fraudulent accounts not mine &, credit my account. are Citizens! Th. They are the only banking institution in the United States not investigating and seeing it is not me opening other loans/accounts- are Citizens!! I fixed my credit, Save Your Home Hotline said that it is obvious that the loans -one in XXXX & there other in XXXX which I only learned of the week of XX/XX/XXXX. I had no clue of them and they are forgeries as I am 100 % sure no other loans. I pay my bills and am a responsible person! Citizens. would not have given me a loan with a XXXX  credit score at the time due to identity theft! I would not have got 2 loans
Product: Checking or savings account

Went to 5/3 bank to deposit my check from my taxes. The check was written in both my wife and XXXX name. My wife is not on my account so I called their branch to discuss this, they claim its no big deal tell her to come up with you and sign the check and show your license/proof of id etc etc. They claimed theres a possibility of a XXXX hold on the check, no big deal my wife and leave feeling good about everything. The next morning I wake up and decide to check my online account. To my surprise the check had already cleared and funds was available. I think great, off work, everythings good. By lunch time they decided to freeze my entire account, I call and bank XXXX tells me it was and error on the tellers part for not properly verifying my wifes id. So now XXXX days later and no word from the fraud department with my account completely froze I sit stuck with no means to money and XXXX little kids. All on account of an internal error, that only im paying for. XXXX days later and theyre telling me therere waiting to hear back from the payee for verification.. what??? Its a check from the United States XXXX XXXX Treasury!!! And you already deposited at XXXX point into my account, now you want to take it back and freeze all my finances. This is absurd, and their fraud department reads you the same thing over and over from a script and you get no answers about anything. Im looking into legal action if possible.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

15 USC 1681 ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 
I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

To make matters worse, I have learned about the recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Creait Report Errors '' ), which highlights that obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

15 USC 16811 ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report.

I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided.

To make matters worse, I have learned about the recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ), which highlights that Experian has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports.

the has caused damage to my credit and financial stress.
Product: Debt collection

I contacted Summit Receivables the collection agency that bought my debt from XXXX in early 2017. I informed them that I wished to start working on getting my account squared away. I told them at the current time I could afford {$50.00} a month to which I was told that was fine as long as I made two months of payments around XXXX a month to start to show good faith. I really did n't have that kind of extra month but agreed to just to start the ball. After several months I contacted them to see if I could get a settlement offer. In reply they told me no that I was not going to get a settlement because they were allowing me to make payments to begin with. I told them that I felt that was unfair and wished for them to cancel all payments since they wanted to charge me a fee if I paid monthly vs having them auto draft from my bank. At this point the guy became mad about it and in short terms used threstening words and tone to try and get me to keep paying. I refused until they would give me a good settlement that satisfied both parties. I told them i would have some money for a settlement around XXXX XXXX 2017 if they could come up with a decent settlement around then to call me and maybe we could come to agreement. The guy then told me without an agreement from XXXX to XXXX there was a good chance that they would sue me. I felt very pressured into everything. But still said no to anymore payments. Fast forward to XXXX XXXX I find that Summit has taken {$50.00} from my bank. I call my bank to report it and my bank canceled my debit card and starting a fraud report. They also suggested I call Summit to try and fix it. When I call Summit the first lady talked to me and told me that I had agreed to the charges but said there was an email on my account that said I had cancelled all payments back in XXXX but then I called and told them to resume payments and to change my due date. I had not called them at which point she hangs up on me. I spend the next 2 hours calling them back to only be hung up on or transfered. Finally they get me a manager and he claims I told them to change my due date and keep taking the money out. When I told him I did n't he argued with me. After several times I tell him that they took the money without my approval and he said no I had given it in the beginning so it carries over even after I cancelled the payment because I wo n't tell them my intentions with the account. I told him I wanted my money back for the payment they just took and to cancel the rest of any thing on the account. He said no to my refund and then said the rest are cancelled and then hung up. I did n't get any confirmation or anything. My wife also has an account owned by them and her account is having the same problem right now as well.
Product: Debt collection

Dear Debt Collector : I will like for you to cease and desists all communication with me, both written and verbal. 
You are now the XXXX or XXXX company that has contacted me regarding this a debt with XXXX. I have several vehicles with XXXX all in good standings. The vehicle in question was involved in a rollover accident and the insurance paid the claim. I have provided the information multiple times and consider this matter closed. 
I asked him to stop calling me and he became hostile. I asked for him to do some research and he told me it was my burden of proof. I explained to XXXX XXXX that I had already provided this information multiple times and it seems that they stop for a little while and then someone else starts calling. 
You are also calling my CELL PHONE and you do not have the right or the permission or my consent to call me at this number. XXXX called me multiple times XXXX at XXXX and again at XXXX pm on XXXX/XXXX/16. Is this harassment?
Product: Mortgage

We moved from XXXX to XXXX for better jobs and higher education. Our house in XXXX was listed for sale. The mortgagor is Citi Mortgage. 
The house has still not sold, and we can not afford our living expenses plus a mortgage payment, so we began an application with Citi for short sale or DIL. We spent months submitting every scrap of documentation they requested. We received confirmation that our application was complete, and that a decision would be forthcoming. 
On XXXX XXXX, we received an email informing us that the house was sold in the sheriff 's auction on XXXX XXXX. 
The next day, XXXX XXXX, we received a letter in the mail from Citi stating that they had rejected our application for short sale due to our failure to submit certain documents. ( We submitted every document they asked for. ) Now, our house has been foreclosed, our credit is destroyed, and we have no opportunity to pursue a short sale because Citi sold the house *on the same day* that they rejected our application. 
A Citi employee finally revealed to me on the evening of XXXX XXXX that their negotiator had arrived at a price of {$110000.00} to satisfy a short sale of the house, which has a balance owing of around {$110000.00}. We were never informed of this. 
During the time we were waiting for Citi 's approval, the house was listed at {$120000.00}, and we received an offer of {$110000.00}. Being completely unaware of the negotiatior 's figure, we counter-offered {$120000.00} and the counter was not accepted. Had we known that a sale price of {$110000.00} would have met the bank 's requirement, we would have countered with that amount and possibly have gotten an acceptance from the prospective buyer. 
We feel that Citi rushed to foreclose on our house when our application for short sale was already completed, using the excuse of " missing paperwork '' to justify their actions. We were misled, intentionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX. XXXX ) has reported my account to credit bureaus as negative without adhering to written request of Verification of the debt. I requested the verification on XX/XX/2022 before the dispute date of XX/XX/2022. However, the debt appeared on my credit report on XX/XX/2022.
Product: Debt collection

Hello, my name is XXXX XXXX and through this portal, I want to formally file a complaint against Eastern Account System Inc. This collection company is reporting an account on my credit report in which the balance has been paid but they are still reporting it. On XX/XX/year>, I filed an arbitration process against this company through the American Arbitration Association ( AAA ), however, the arbitration process was closed because the company did not pay its fees. 

I am attaching a copy of the document I received from AAA. I kindly request that an investigation be initiated against this company as they appear to be evading their responsibilities. 

This situation has been stressful for me, I have spent time and money trying to resolve this in the best way possible but the company has ignored all my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the original credit who is DICK 's Sporting Good The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but Dick 's, Synchrony Bank or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX residing in XXXX, Florida, disputing my credit files with all credit bureaus, I am very concerned because some of my information has been exposed to the dark web. I am sent information from XXXX and XXXX XXXX with a list from the dark web. My passwords are exposed and information that I can print out and fax or email to cfpb. I am disputing to all three bureaus, XXXX has not sent me results, my credit score has stayed the same since XXXX, my account number is XXXX my other scores are slowly improving. I am still waiting for my file, I have asked XXXX to mail me my report because I do not trust the report online. Please respond to me and mail me my updated and investigated file, I can again, print out the list of the dark web surveillance report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid for to be settled and DELETED off of mine and my wife 's credit profiles. Account has since only been settled as paid, but not removed from collections. I do have email confirmation of payment and of the company stating they would delete the account pending payment but have yet to remove or delete the account at all. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call back in XXXX of 2017 about a supposed debt collection from a gym that I used to belong to ( XXXX XXXX XXXX, No Contract ). The woman that I had spoke to was extremely rude and then threatened to destroy my credit if I did n't pay the bill. I did ask to get a letter stating that I owed them and wanted all of their information. She then refused and then stated that she had already sent me the information. It has been 4 months and now this is hitting my credit report, while I still have not received a single bit of paperwork stating who I even owe this money to! I have called them and told them to send me information, but they refuse to do so. They will not send me any information in regards to my " debt ''.
Product: Debt collection

They have called my four times today starting a XXXX XXXX XXXX and XXXX. I have told them each time my husband is at work, they then ask for a work number, which I wo n't give. I ask if they can discuss with me, and they avoid the subject and say they 'll call back later.
Product: Debt collection

I owed XXXX XXXX XXXX in FL a hospital bill of over {$1800.00} which I was paying {$20.00} per month on before sending me to a collection agency XXXX. I tried to resolve the issue but they would not work with me. 
I owe another hospital, XXXX XXXX over {$2000.00} which I am also paying {$20.00} towards and also {$20.00} for a separate doctor bill. {$60.00} per month on medical bills is a lot when you just don't have anymore to give. XXXX XXXX agreed to let me pay the {$20.00} and tried to get XXXX XXXX to set up an agreement as well. Instead XXXX XXXX sent me to XXXX collections! 

I was forced to retire to care of my husband then lost half of my income due to his death. I'm on social security and paying for both his funeral and my daughters who I lost 5 months prior to my husband. I tried explaining this to XXXX as my reason why I can't pay any more than {$20.00} per month. I spoke with them and a supervisor on two separate occasions, XX/XX/XXXX and XX/XX/XXXX. They said they have no option but to report this on my credit report unless I could pay {$200.00} per month! I still continue to pay {$20.00} getting the bill down to {$1700.00} and now is on my credit report. I believe they used bully tactics to get me to pay more and don't feel this is right.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # 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