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

I dont know why I am getting this XXXX card. I think it was from a pop up survey that claim to give away gift cards ( which was a lie ) from me using the XXXX app connecting to XXXX website. I feel it is a dishonest way of doing business. I do not want this card and the survey was a waste of time.
Product: Credit card

I had apply for a credit card back in 2023 never got the card. Not sure how it got activated and used. Not I have a bill and bad credit report. 
This is a capital One credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX XXXX. XXXX  XXXX XXXX TEXAS XXXX XXXX : XXXX. XXXX   XXXX XXXX PA XXXX I HAVE SENT IN NUMEROUS DISPUTE LETTERS AND EVEN CALLED ABOUT AN ACCOUNT THATS REPORTING ON MY CREDIT REPORT THAT IS NOT MINES AND IT KEEPS COMING BACK VERIFIED AS ACCURATE. WHEN I KNOW THIS IS NOT RIGHT. THE ADDRESS REPORTED ON MY CREDIT REPORT IS FRAUDULENT I HAVE NEVER LIVED IN TEXAS IN ALL MY XXXX  PLUS YEARS OF LIVING. HOW IS THIS POSSIBLE THAT THIS ADDRES IS REPORTED ON MY CREDIT REPORT? WHEN I HAVE DONE BEEN WITH THIS COMPANY EVER IN MY LIFE. XXXX HAS BROKEN THE FCRA AND HAS NOT FOLLOWED THE LAWS SET BY THE FTC. I DEMAND TO SEE A ORIGINAL CONTRACT BEARING MY SIGNATURE!!!!

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an originial Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to posititvely verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit card or prepaid card

Citibank denied a dispute I filed XX/XX/XXXX for a defective item I purchased, Citibank sided with the merchant, even when the merchant did not provide evidence that they worked with me to solve the issue. Merchant only provided a copy of the order details. Citibank sent me a letter stating that in order for me to pursue the dispute further, to sign. letter they sent me as well with additional documentation. I signed such letter, and attached multiple email communications I sent to the manufacturer where they deny anything is wrong with the item, even when they have not inspect it physically to make such determination. I sent email to Citibank email address for disputes at, XXXX in multiple dates, XX/XX/XXXX and XX/XX/XXXX. I have contacted Citibank in multiple opportunities after this emails and they still claim they have not received any email from me. I have until XX/XX/XXXX to send this letter and extra documentation in order to proceed further with my dispute. I did send emails to Citibank before the XX/XX/XXXX deadline so I was on time. It is not my fault that Citibank faulty system is not receiving the email correspondence I sent. I am attaching copy of the emails sent to Citibank, as well as the documentation attached to such emails.
Product: Prepaid card

I need all the account clear up Where I can apply for debt consolidation.
Product: Checking or savings account

In XX/XX/XXXX, I opened a new checking acct at Chase Bank located at XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX, CA. On XX/XX/XXXX, I made two check deposits via mobile app to my Chase checking account. One was a cashiers check in the amt of {$2300.00} from XXXX XXXX XXXX XXXX XXXX and the other was a personal check from XXXX XXXX in the amt of {$1200.00}. A few days later, I noticed a message on my Chase checking acct indicating these funds would not be available until XX/XX/XXXX. I called the Chase branch at XXXXXXXX XXXX XXXXXXXX XXXX to inquire about the unusual delay in accessing my funds. The teller by the name of XXXX saw that my checking account was marked as 'restricted ' but was unclear as to why this was happening. I've since made several calls to the XXXX XXXX / Account Closures call center for Chase and visited numerous Chase branches to try to resolve this issue. By XX/XX/XXXX, I learned my Chase checking account had been closed. On XX/XX/XXXX, a banker at the Chase branch located at XXXX XXXX XXXX in XXXX XXXXXXXX, CA informed me that my funds have been mailed to me and would arrive shortly via USPS. By XX/XX/XXXX, I was still missing {$3500.00} and again reached out to the bankers at XXXXXXXX XXXX XXXXXXXX XXXX, where I initially opened my account. After countless hours on the phone and speaking to Chase bankers in person, I finally received a check for {$2300.00} on XX/XX/XXXX. After filing a complaint w/ the Office of the Comptroller of the Currency , I also received a call from the Chase executive office. As of today, XX/XX/XXXX, I am still missing {$1200.00} and the Chase executive I last spoke to said the {$1200.00} was still 'processing '. There has been no explanation for the extreme delay in verifying the two checks or the account closure or the delay in returning my money to me. There has been no recognition of the hardship one faces when missing thousands of dollars.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX  Balance : {$4700.00}, XXXX XXXX Balance : {$11000.00}, XXXXXXXX XXXXBalance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

Ocwen has foreclosed on my property with a Strict Foreclosure law day of XX/XX/XXXX in proceedings through XXXX and XXXX when they also stated to me that they have a Hold Foreclosure on my account. It does't make sense. 

I had been working with the Ombudsman 's office and my representative to straighten out a very confusing Modification offer first presented in XX/XX/2018, which included no details of the modification except for the amounts of the first three payments ( and no guarantee of a modification even after paying those ). After requesting this information, in XX/XX/2018, Ocwen finally sent me the details, which I agree to, but they said that the time for accepting the modification had passed and that I could appeal. So I immediately appealed, only to find that they then sent another modification proposal in XX/XX/2018 that was much more expensive ( an additional {$260000.00} ), based on their assumption that the value of my house had risen ( magically ) from {$890000.00} to {>=  $1,000,000} ( in a very much dropping market ). 

I made my representative ( and the Ombusdman office ) aware of what had to have been an egregious error and in XX/XX/XXXX paid for my own Appraisal of my home, which showed the value at {$660000.00} ( emailed to them XX/XX/XXXX ). Working with my Ombudsman, we agreed to " call it '' {$700000.00} since Ocwen said that they had a higher appraisal. They are purportedly working on a modification ( we also spoke of a settlement, but I can not handle a one time payment like that ) all the while I have been to court on three occasions, XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX all the while Ocwen states that my account is on a Foreclosure Hold. 

I've reported Ocwen before in a much larger scope of problems ( Complaint XXXX-XXXX  ). I am assuming, and it appears by the CFPB action against Ocwen in XXXX that you've addressed those. Now, it appears I need some rather direct intervention, and I hope you can help " nudge '' Ocwen to honor their Modification process based on this new value of the home ( similar to their XX/XX/XXXX assessment ) - and immediately before XX/XX/XXXX comes and we are out of our home!
Product: Student loan

Afternoon, I submitted a refund request to my federal student loan provider, Fedloan, back in late XXXX, as I was eligible for one ( paid off my federal student loans during the summer of 2020 ), and they promised to submit confirmation of my successful refund request to my email ( XXXX ). I never received confirmation, and now they seem to have transferred my loan account to another provider. I do not know which provider that is, as they haven't communicated with me at all. 

Thank You, XXXX
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 FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. 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 ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Hyundai Motor Finance regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, XXXX, & XXXX ) stating theres a 30-days delinquency reporting for Hyundai Motor Finance. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account.

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19. 

The CARES Act places special requirements on companies such as Hyundai Motor Finance, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.
Product: Credit reporting or other personal consumer reports

in accordance witht he fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

ACCOUNTS 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 15 u.s.c. 1681 section 602 a. states i have the right to privacy 15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an accoiunt with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had a WalMart credit card. I had it set up on automatic payments and never missed any. I was working as a XXXX XXXX for a couple of years. The card was sold to XXXX and they took me off auto payments. I called them repeatedly to try to arrange for auto pay again but they kept telling me to call back. They kept telling me to check my mail but I was working on the road. They billed me excessively for " missed '' payments in spite of my repeated efforts to pay my bill and reinstitute auto pay. This has damaged my credit.
Product: Checking or savings account

For well over 30 years I have been a client of JP Morgan Chase Bank. I am very frustrated that they have not adequately resolved the problem I have with stolen funds from my account. Two times within a week thieves went into my account and removed more than {$600.00} each time. I was happy that Chase Bank did promptly replace the funds both times, but the second time, Chase went into my checking account and took back the second amount of money sent to me. This was done without notice beforehand. It was clearly evident that those responsible for this crime did this illegally ( each time only {$49.00} was removed, but this was done, something like12 times each time. Until I had no more money in my account. Please, I beg you to look into this matter. My account with Chase Bank is now closed. I fear opening another account, not just with Chase but any bank where characters can easily get into your account and take what they want. It would have been better to have kept my money at home under my pillow. It is not just the money I am missing, but the hurt of not knowing how this is done. Let me inform you of a few details in this matter. Not too long ago. I received a letter from an employee of Chase Bank, named XXXX, XXXX, Branch Complaint Escalation group. Stating that " we'll stop contacting you about your recent concern ". We have not been able to reach you. I do not know if this is true or not. But I received nothing, but this letter and a notice that my claim was denied.. My closed acc # XXXX The case number listed was XXXX Incidentally, the Telephone number of XXXX is XXXX ext XXXX have tried calling her at least XXXX or more times and the only response I get is " out of office ". She would not respond to my voicemail either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED NUMEROUS OF TIMES TO HAVE UNAUTHORIZED INQUIRES REMOVED FROM MY EXPERIAN CREDIT REPORT. I HAVE SENT LETTERS, CALLED NUMEROUS OF TIMES AND I ALWAYS GET HUNG UP ON WHEN I ASK TO SPEAK WITH A SUPERVISOR. I HAVE ATTACHED A FTC LETTER WITH ALL OF THE INQUIRES THAT WERE NOT AUTHORIZED BY ME. BLOCK AND REMOVE THEM
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED TRANSUNION, XXXX  AND XXXX SEVERAL TIMES ( TO REMOVE THE FRAUD ALERT FROM MY CREDIT FILE )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC Code 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Veterans Administration is responsible for paying this account. XXXX XXXX XXXX  refused to provide me with copy of the original bill when I asked them in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On X/X/17 I received an email stating that I would need to make a payment on my student loan before or on X/XX/2017. I was not given an prior notice that repayment would start so soon. On X/X/2017 I spoke to a representative at Navient who told me the reason that I had not received any communications regarding repayment was due to my being in grace for XXXX student loans. She then told me that I may apply for forbearance for the month of XXXX. I believe it is inappropriate and most likely illegal to ask someone you have a contract with for payment only 11 business days in advance. I should have had to get forbearance - my repayment due date should have been adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

YES, I HAVE FILED DISPUTE OF FRAUD ACCOUNT FIRST PROGRESS WHICH IS A FRAUDULENT ACCOUNT AND HAVE SUBMITTED ALL REQUIRED DOCUMENTS AND A PROOF OF COPY OF THE LETTER OF RESPONSE FROM FRIST PROGRESS CREDIT CARD AND XXXX STILL REFUSES TO DO A PROPER INVESTIGATION WITH REMOVING ITEM OF MY CREDIT REPORT I WILL CONTINUE TO FIGHT FOR MY RIGHTS AND THIS IS A FRADULENT ACCOUNT REPORTING ON MY CREDIT FILE FIRST PROGRESS CREDIT CARD IS NOT MINES ITS A FRADULENT ACCOUNT.
Product: Vehicle loan or lease

To whom it may concern, I did a credit application at XXXX dealership and Exeter finance Corp accepted my application & was advertising a down payment is a Violation of Title 15 U.S Code 1662. Violating this code is a Violation of the Truth In Lending Act.

15 U.S. Code 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

EXETER FINANCE CORPORATION Is also asking for a down payment which would be a violation of Title 15 U.S. Code 1605 Violating this code is a Violation of the Truth In Lending Act 15 U.S. Code 1605 - Determination of finance charge Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable CASH transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
Product: Debt collection

XXXX XXXX is trrying to ruin my credit by reporting two late payments in XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX  for old bills that I paid to XXXX over 7 years ago. They are trying to extort money from me by ruining my credit. I want this {$370.00} item removed from my XXXX, XXXX and XXXX right now and any late payments reported removed. These lawyers are trying to extort money from XXXX people.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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: Credit reporting or other personal consumer reports

I Have 4 Hard Inquiries On My Credit Report That Im Not Familiar With, Nor Did I Consent.
Product: Credit reporting

XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX  I spoke to a representative from XXXX XXXX. I explained to them I wanted to close the account. Concluding that conversation, I expected the account to be closed. The third week of XXXX I am looking over my credit report and notice a late payment for the month of XXXX from XXXX XXXX. I immediately contacted them and they stated that they have no record of me calling to close the account. I disputed the information with Experian and XXXX XXXX refused to right their wrong. This company targets people trying to build credit. The customer service is horrible, that is why I wanted the account closed.
Product: Credit reporting or other personal consumer reports

My only names is XXXX XXXX XXXX I have never used another variation Multiple accounts listed with XXXX XXXX XXXX that is not my address XXXX XXXX is no longer my spouse and my last name has never been XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Case Number : XXXX Dear XXXX XXXX XXXX 
Thanks for your response to my inquiry. 
XXXX, please provide the following Signed agreement that I gave FNBO my lawful authority to furnish my information to the credit bureaus. If you are NOT able to provide proof, this is a violation of the Gramm Leach Bililey Financial protection Act ( 15 USC 6801 ) The penalty for this violation is up to 20 years in jail. And a hefty fine.

Signed agreement that FNBO gave me the opportunity to opt of credit reporting.. If you are NOT able to provide proof, this is a violation of the Gramm Leach Bililey Financial protection Act ( 15 USC 6802 ) The penalty for this violation is up to 20 years in jail. And a hefty fine.

The notice that was sent to me regarding FCRA 623 ( a ) ( 7 ) ( G ) ( i ), notice either before you furnish the negative information or within 30 days of furnishing it Regards XXXX XXXX