23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Credit Card with Bank of America : The Card Number is XXXX XXXX XXXX XXXX, that i always pay on time, 2 months ago i tried to use the card to put gas in my car, the transaction was cancel, when i call bank of america about that subject, they told me that they blocked the card because they proof that i am a citizen. I sent to them : My Social Security, Passport, Tax Return, what ever they asked me, they never call me back i have to call them every day no concret answer, Finally on XX/XX/year>, Bank Of America, sent me a letter to tell me that, they are sorry, they can't reopen my account because, i have too many accounts open. I called them, to explain that i '' m a good customer, never late on my payments, they told me that the decission is Final. now they keep charging me fees and Minimum payment. i call Bank of America to advise them, that i dont have a job now, they told me that is my problem, that i have to pay the fees. please i need help to stop that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 am not the owner of ( ORIG CREDITOR : 01 XXXX  XXXX XXXX XXXX ) I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. These entries are fraudulent and unauthorized, resulting from a data breach in which my personal information was compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request their removal from my credit report. 
Fraudulent 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On multiple instances i requested that XXXX XXXX, XXXX and bank of america provide documentation of the ways they identified the identity of the person claiming to be me. They not once have provided it. I request they take it off my credit report since they have not provided proof that the debt is mine and they have not. Ruining my credit and my life. This is unjust and absurd.
Product: Checking or savings account

I am writing to file a formal complaint regarding fraudulent transactions that were debited from my Citibank account ending in XXXX. I am a victim of identity theft, and these unauthorized transactions resulted from this crime. Despite my efforts to resolve this matter, Citibank has not taken appropriate action to investigate the fraudulent charges or recover the funds stolen from my account.

I previously submitted a dispute to Citibank and spoke with several representatives who initially seemed willing to assist in resolving this issue. However, Citibank later denied the claim without providing any update or reason for the denial. The funds stolen from my account were never returned, and I have been left without any clear resolution. This situation has been extremely frustrating, stressful, and difficult, especially given that I need the funds in my account to cover essential medical bills.

Moreover, when I called Citibank to inquire about the status of my dispute, the representative became rude and was unable to provide any meaningful information regarding my claim. I believe Citibank has failed to take the necessary steps to properly investigate this matter and recover the stolen funds. As part of my efforts to resolve this, I have filed an official FTC Report with the Federal Trade Commission for identity theft, which includes the fraudulent transactions.

Below are the items in question that were fraudulently charged to my Citibank account : XX/XX/year> XXXX : {$74.00} XX/XX/year> XXXX XXXX  : {$380.00} XX/XX/year> XXXX XXXX : {$220.00} XX/XX/year> XXXX : {$57.00} XX/XX/year> XXXX XXXX : {$250.00} XX/XX/year>XXXX XXXX XXXX XXXX {$250.00} XX/XX/year> XXXXXXXX XXXX XXXXXXXX : {$50.00} XX/XX/year>XXXX XXXX XXXX XXXX {$270.00} XX/XX/year> XXXX XXXX XXXXXXXX : {$56.00} The total amount of fraudulent charges is {$1600.00}, which has caused a significant financial burden, especially as I need these funds to cover my medical bills. I request that Citibank immediately re-investigate these transactions as fraudulent and recover the stolen funds from my account. This entire ordeal has added unnecessary financial strain and stress to an already difficult situation.

It is unacceptable that Citibank has not taken proper measures to address this issue. I trust that the Consumer Financial Protection Bureau will assist in ensuring Citibank complies with all necessary regulations to resolve this matter fairly and promptly.

Identifying Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Account Number : Ending in XXXX Date of Birth : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Money transfer, virtual currency, or money service

PayPal regularly commits purposeful theft of 100 % of all currency earned at all jobs done by all homeless people, as well as 100 % of all money earned online by all people who are XXXX, XXXX, or have XXXX, as well as some XXXX  people and some people with XXXX, by illegally demanding " text message verification code '' before I can be paid for any job because PayPal has decided to steal and keep all of the currency I own forever, unless I somehow magically one day obtain access to " phone number '' that I " personally own '', in order to receive " text message verification code '', even though it is literally physically impossible for me to hold any cell phone that is connected to 5G service ( which appears to be the only type of cell phone service that currently exists for new cellular accounts ), even though it is impossible to pay for any " phone number '' of any kind because I am homeless, even though it is impossible to use " phone call '' at any point in time from any location because I am nonspeaking and therefore would never have any " phone number that I personally own '' even if I was a billionaire and also had the ability to physically hold a cell phone that is connected to 5G service, and even though it is literally impossible for me to be paid any of the currency that is currently in my PayPal account or any currency earned from the jobs that I typically do nonstop nearly 24/7 because the vast majority of websites that pay do not pay via any other place besides PayPal, and because no other possible method of obtaining payment, such as " check '' or " bank account '' is available to me. Additionally, it is LITERALLY ILLEGAL to prevent homeless people, nonspeaking people, people with XXXX, and also the several other Protected Classes that I am not a member of such as XXXX  people and people with XXXX who can not hold 5G phone, from logging into or accessing PayPal account or spending the currency directly from the PayPal account, unless all hearing, speaking, nonhomeless people with no medical condition are also prevented from using any currency, in which case PayPal would of course be quickly shut down by government and all top executives arrested for their theft. Currently, PayPal is committing theft from me personally, and is also committing theft from all other homeless people, all other people with XXXX who can't hold 5G phones ( which is, of course, almost all of them ), and even all married people and all people who live with parents etc., since in addition to the illegal discrimination against me and thousands or more of other human beings, PayPal also even demands that you live alone otherwise you can not log in because " verification phone number '' also just be a phone number that " isn't not leeway used on another account '' even though there is generally one phone number for 5+ people who live in a house together unless you live alone!
Product: Credit reporting or other personal consumer reports

The hard Inquiries on my TransUnion XXXX and XXXX account are errors, and all need to be removed immediately.
Product: Debt collection

I was referred to an out-of-network ( which I don't know it's OON ) by a doctor in in-network hospital for doing a XXXX examination while doing the normal examination there. During examination, I confirmed several time that this XXXX should be fully covered by my insurance and I don't need to pay for it. While I was in the XXXX XXXX XXXX on XX/XX/2022, where I did the XXXX exam, I wasn't notified of anything about the potential cost or receipt. Later I received the payment request of the XXXX for over XXXX dollars. 

This is a surprise medical bill, because first I've told this is covered by insurance. Second, I wasn't notified of that the provider is out-of-network and I need to pay for this possibly as well as the cost for this exam in advance. 

Besides, the price for XXXX is extremely higher than regular XXXX XXXX in market ( $ 100-200 is the normal price, but they charged me for {$1300.00} )
Product: Debt collection

About four years ago, while I was in college in XX/XX/2019 I opened a credit card with XXXX XXXX to purchase some clothes. At the time I had little if any working knowledge of how credit cards and payments worked, and ultimately forgot to pay off the clothes in appropriate time. 

A few months down the road in XXXX of that year I picked up a call from a representative at XXXX XXXX who explained the situation, and with the representative on the phone I paid off the amount owed, totaling XXXX USD. I walked through the amount and the process with this representative on the phone to ensure that I was doing everything right and paying the correct amount. 

For the past three years since paying it off, I've been relentlessly contacted by a debt collecting agency called Portfolio Recovery Associates about this money that was owed and paid to the original creditor, XXXX XXXX. I've repeatedly disputed the debt and provided proof, as well as sent emails showing that I paid the original creditor to no avail and have not received a response to my disputes of the debt. After almost XXXX years of harassment and a delinquent note on my credit score that is affecting my career and personal goals, I'm hoping to find a solution so I can get this delinquency and debt that I don't owe removed from my credit report for good and to stop receiving calls from Portfolio Recovery Associates on an almost daily basis. 

I'm interpreting this situation to have been a miscommunication between XXXX XXXX and XXXX, I believe that they sold this " debt '' to the agency mistakenly when I had in fact paid off the amount owed. I'm tired of dealing with this and am growing concerned about the financial and credit report long-term repercussions of this derogatory remark which is potentially affecting my ability to get jobs, have credit cards, etc. I also don't believe I received communication before the debt was sold to XXXX as required by law, which would make sense given that if I had I would have reached out to let XXXX XXXX know that the payment was made and would have sorted this entire ordeal then. 

I have taken numerous actions via phone call and email to dispute the debt and have not received any replies to my dispute, instead repeated attempts to continue collecting this debt that I don't owe. I'm now at the point of considering legal action if XXXX XXXX and/or Portfolio Recovery Associates do not correct this issue as soon as possible.
Product: Credit card

I am a victim of identity theft by my parents. American Express is hounding me with collection calls for their debt. Despite numerous attempts to get AmEx to cease collection on identity theft charges, they will not stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a business account with Chase that was opened under the Chase Premier Plus Checking account with Chase XXXX XXXX in XXXX or XXXX. This account does not charge fees or require a minimum deposit. 

I closed the account earlier this year around XX/XX/XXXX. 

Prior to closing the account, I withdrew the balance. 

On or around XX/XX/XXXX, I started getting calls from people that stated they were with Chase bank and I had fees on the account, approximately {$64.00}. Each time a representative calls they state that they have looked into and the matter is resolved. Then a couple weeks or month or so later, I get another call. I feel harassed, if these people actually work for Chase it should be clear that they assessed fees after the account was closed. It should also be documented in their notes of removing the fees that should have never been assessed. 

I have received not one letter from Chase showing any fees on the account, yet the calls continue to come. 

It is also odd as I had a positive balance with the account was closed and I never saw any fees while the account was open for the short period of time. This account never had a high balance, at most the account maybe had a couple XXXX dollars if that. This account was rarely used, maybe 6transactions including the transferring the small balance. 

While Chase or their affiliates continue to harass me even though I have asked several times to stop calling me on this issues as it an error on chase part that was told to me on several occasions to be resolved. 

I just received another call this morning again same issue. I feel harassed.
Product: Mortgage

I refinanced my house with this company. Once the process was complete I started getting daily phone calls and certified letters from the mortgage company saying I am late on my payment. Apparently the paperwork I signed was missing a signature line so they were unable to close out my old loan, but somehow managed to open a new one and now have 2 mortgages due on my house. I have been paying the new one, and apparently just need to resign the papers so the loan company can close the old one. I don't think it's even legal to have 2 loans on the same property, but either way, mortgage company and title company keep referring me back to the processor at community loan servicing, who handled the paperwork for my loan. I can not get the lady to respond, she responded once and said she would send someone out to sign new paperwork but nobody ever came and she stopped responding again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Transunion more than twice already regarding every single student loanXXXX account they have on my report. XXXX  has absolutely ZERO student loan accts on my report. I provided proof of such and requested that due to this discrepancy it needs deleted off my report-they refuse to. I also provided proof of reporting discrepancies with XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX as all of those are listed on my Transunion report but either they're removed off my XXXX or the information has discrepancies-they still won't remove them. They're in violation of the law and the Credit Reporting Act and I need them to IMMEDIATELY remove all of those accounts for the erroneous information. I have provided proof of everything on my XXXX report to you all. I have provided this same information to Transunion yet they are ignoring it and stating that these erroneous accounts are verified. I also requested signature PROOF of these accounts being verified and they have failed to provide me that via mail, also. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE IT'S CAUSING ME TO NOT HAVE GREAT CREDIT WHEN IN FACT I REALLY SHOULD.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan opened at 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  ; and a credit card collection account opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, including inquiries from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from my consumer report. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

Around XXXX of 2005 I applied and received a Home Equity Line of Credit with XXXX XXXX. I started making my payments and was paying a little more than the required amount. Shortly thereafter, I received a statement from Specialized Loan Service ( SLS ) dated on the XXXX of the month with a due date of the same XXXX of the same month. It has been a nightmare since then. I started receiving statements with fees, codes, and my payments going to unapplied funds, I have no idea what they are or what they are for. I tried to contact SLS several times attempting to get clarification an to have the issue resolved with no luck. When I called I would explain the problem get transferred several times, get cut-off/hung-up and some were just downright rude. When I wrote I got no reply or a letter stating " we found no error ''. This became tiresome and frustrating. I continued to send my payments, each one with a Post Office COM and they continue to go to unapplied fund. On several occasions they threatened to take action. As crazy as it sounds, I was so frustrated, I thought I might be able to get answers then. Earlier this year I discovered that SLS was not the owner of the loan. I knew that I needed to get this issue resolved before the loan became due in order to have it settled with the correct balance. I called SLS to get the contact information for the Lien holder. My first XXXX calls I was told they did n't know who owns the lien and that they do n't have access to that information. I thought that was strange. On my XXXX attempt the gentleman advised that I write in to request the contact info. I wrote to SLS informing them that the account is been disputed and requested the lien holder 's info. They then sent me a statement adding another {$3600.00} to the already disputed balance. I just learn about CFPB and hope that it will help me to put some closure to this nightmare.
Product: Credit reporting or other personal consumer reports

I was a victim of identity fraud on my debit card.