23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone has tampered with my existing Affirm finance account and was able to order a vacation from XXXX totaling {$2500.00} + interest, for a grand total of {$3100.00}. 
This activity was not me. I filed the complaint and regained access to my accounts, except this person did not use my XXXX account to place the order even. 
I have changed all the passwords and reported this within less than XXXX hours of the fraudster ordering a trip to Hawaii. 
I have also filed a complaint with the XXXX This has happened XX/XX/2022 the fraud occurred around XXXX and was reported at XXXX EST the following day. I have contacted XXXX who has assured me they werent even able to use the vacation package. 
As a result of this for my security I have locked my credit file with XXXX and I have my security freeze with XXXX turned on. 
My information was leaked as a result of XXXX data breach. I also have other proof my information was leaked.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a self employed 1099 on my credit reports but that is incorrect information.
Product: Credit reporting or other personal consumer reports

KikOff told me to file a claim with CFPB to get the account removed, after filing the report, they denied the removal. KikOff asked me to provide a police report, after providing the police report they still denied me. Now I'm asking KikOff to send me the proof that they have as a last resort, and after that I'll be forced to take them to court. KikOff report fake tradelines to the consumer credit agencies in order to give unworthy people some type of primary tradeline that they do no deserve. KikOff operates under unethical business practices and no matter what documents you provide they'll do their darndest job to have the victim at fault. All KikOff had to do is look at the police report number provided and they would see that the man that XXXX XXXX XXXX at XXXXXXXX XXXX was released in XXXX. He just violated terms of XXXX  and is back in XXXX. Not only that but a XXXX XXXX  was done to my cell phone and I couldn't use my cell phone for a week and a half. All my email accounts were stolen and even my bank account was used to open a XXXX XXXX Credit card in my name all in XXXX  between XXXX and XXXX. Please provide me with the documentation that you guys have that says that I'm responsible for this account and I need these docs within 10 days or you need to remove this tradeline from my consumer report ASAP. The next step is court because at this point the games need to stop. Attached is the man that XXXX XXXX XXXX XXXX XXXXt. Do a more thorough investigation and you'll see that this man was indeed released in XXXX  around the same time this account was opened
Product: Mortgage

My property was damaged in a storm on  X/XX/2017   . Bank of America required us to get them to endorse the insurance check, which is normal policy for most institutions. The endorsed insurance check, required contractor information, and insurance estimate were sent via overnight mail to B of A on  X/XX/2017    and an overnight return envelope with postage paid was provided for rush requests, per the instructions on their website. I have called on numerous occasions and I am always told that they are working on it. Today,  X/X/2017   , I was told that the " first {$20000.00} was released on  X/XX/2017    '' but that the remainder of the funds will not be released to us until they get my contractor set up as a vendor. The expected date for that is  X/XX/2017   .  <P/> As of today,  X/X/2017   , I still do n't have the funds that were supposedly released and once they are received, the paper check will require over a week to clear, even though I asked that they direct deposit the funds so I can get the repairs started. The delays in this process could be causing additional damage to my home, which will definitely cause unnecessary hardship for our family. Please let me know what can be done to get this process fixed. I have never seen an institution hold funds for this amount of time, when there is work on a property that has to be done.
Product: Debt collection

reported case number XXXX Second Round did respond to my wife 's case but left mine unresolved. Second Round made no effort to contact me. Reporting debt in " collections '' to XXXX is a " false representation '' of the actions made by us to settle this debt, it violates the Privacy Act of 1974. Second Round used deceptive means to collect the debt and to obtain additional information by means of phishing while threatening legal action if my wife did not commit to a monthly payment plan. My credit has been unfairly tainted since reporting to XXXX, my rights of due process were ignored, Pursuant to 31USC 3711 ( e ) we did not receive a 60 day notice of intent to report to credit bureau. No written or phone communication was received. I have faxed to Second Round, Compliance Dept a letter stating that the " handling of this debt '' violated my right to settle since they let it go and to cause further harm to my credit, listed the debt in collections with XXXX. i will attach the letter.
Product: Credit card or prepaid card

I had a Chase Freedom Unlimited card that was opened in XX/XX/2016. I noticed the card did not show up in my Chase online portal so I called and tried to find out why. I was told Chase is not able to locate my account in the system and there is no information Chase can provide. I was also told my account was closed due to past due. I have never received communication about Chase would close my account either. 

I was confused because I never received any bills for a long time. I usually check my online account and make payment there but this account does not even show up there. I am a credit worthy consumer and always pay my bill on time. 

The closed card has a lot of cash back on it and now it is forfeited. I request Chase to reimburse those.
Product: Debt collection

Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosure required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Checking or savings account

Checking Account ending : XXXX Latest Promotional dispute : XXXX XXXX : XXXX ( opened XX/XX/XXXX ) This complaint is regarding promotional cash bonus offered to me, if I opened certain types of accounts and completed certain requirements. 

I was a Citi credit card customer at the time and in XX/XX/2020, based on the offer provided to me via my credit card account login, I applied to open Citi Priority account. But, the account opening process failed online and I was given a phone number and an error code to contact Citi. 

When I called and explained to them that the account opening had failed, the agent offered to open the account for me over the phone and also offered a different ( supposedly better ) bonus offer for opening Citi Priority account, that was in effect at the time. 

The offer code given to me was XXXX. It had 2 rewards. First was a Cash back booster on my credit card cash back until end of XX/XX/XXXX. Second was a cash bonus of {$700.00}, if I deposited {$50000.00} in to the savings account and kept it for at least 60 days. The cash back was supposed to be deposited to my account after 90 days of fulfilling the 60 day deposit requirement. 

Based on this, I opened the required accounts on XX/XX/XXXX. My account was fulfilled on XX/XX/XXXX ( Email confirmation from one stop fulfillment representative XXXX attached ).

I had problems even with the credit card booster ( first reward ), but Citi eventually fixed that issue and even today, I am getting the cash back booster, as promised. I get 2.5 % cash back, instead of the regular 2 % ( Latest credit card statement showing booster amount attached- Last Name and other details scrubbed for security ). 

But, Citi is refusing to honor the other promotional reward, the {$700.00} cash bonus. I have called several times and in turn, they opened several " reward disputes '' for me. But, every time, their " back office '' refuses to grant me the reward that I am entitled to. The latest attempt is by XX/XX/XXXX/XX/XX/XXXX ( new accounts specialist ), who was kind enough to follow up several times and even apologize and unable to explain why their back office is just refusing to give me this cash bonus. 

The refusal letters say, if I have any proof of the promotional disclosure. However, I did not receive the offer directly, but over the phone when the agent opened the account. I do have a welcome package that talks about the promotion and that I am eligible for it, once I fulfull all conditions, which according to their own agents, I have completed. I will be attaching parts of the welcome package booklet that was mailed to me. 

Please help me in getting the cash bonus that I am entitled to. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the XXXX whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$430.00}.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed I had inaccurate information on my payment history the dates are inaccurate please remove this account because its reporting inaccurate information, I sent a dispute letter to all three credit bureau, I need this account removed, Ive attached the inaccurate Payments history information from all bureaus
Product: Credit reporting or other personal consumer reports

A month ago, I submitted a complaint to these XXXX, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act,15 U.S.C . 1681 ( g ) I have the rights to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the account ( ARKANSAS OFFICE OF CHILD SUPPORT ) that you are reporting in my credit report
Product: Debt collection

I contacted this " law firm '' Linebarger, Goggan, Blair, & Sampson after receiving multiple calls and letters to advise them that they were attempting to collect an alleged unpaid parking ticket from 2009. They asked for {$24.00} for a parking ticket from nearly 8 years ago. I informed them of the statute of limitations in the State of XXXX is 6 years for debt collection activity and asked that they no longer call me or send me letters. The " attorney '' responded with disregard and claimed that they would continue to collect until I paid it and the penalties in full and that they would report it as unpaid to a credit bureau. I explained that this was in violation of the XXXX laws and he claimed that only XXXX laws applied since their offices are in XXXX.
Product: Mortgage

I am writing to address some concerns regarding my mortgage with Rushmore Loan Management Services , LLC, which was transferred to XXXX XXXX on XX/XX/2023. While XXXX XXXX claims not to be associated with Rushmore Loan Management Services , LLC, both entities fall under Mr. Cooper, also known as Nationstar Mortgage LLC. 

The primary issue pertains to my senior tax relief provided by the County of XXXX, Virginia. In XX/XX/2023, XXXX County sent my lender a check for {$4700.00}, which was my refund for overpayment of real estate taxes on my home. XXXX XXXX retained {$3500.00} of this amount and only disbursed {$1200.00} to me, resulting in a discrepancy of {$3500.00}. I am puzzled as to why they are holding this money somewhere, but it is not in my escrow account. 

Similarly, I personally paid my homeowners ' insurance in full directly to the insurance company. However, XXXX XXXX continues to escrow funds for insurance, raising concerns of double billing. 

Furthermore, I have been impacted by their data breach, which compromised my information on the dark web and adversely affected my credit.
Product: Debt collection

They lied and said they did not know where the car is but repoe the car after I gave them XXXX rollers down payment credit acceptance corp and XXXX XXXX XXXX XXXX I got a letter 9 months after the fact they had the car then tried to impersonate me trying to have me pay XXXX for a car in the body shop that wasnt mine they said it did not go straight there the dealer said they were trying to make a quick Buck out of me when I brought up a lawer credit acceptance corp and XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I applied for a payoff loan for my lease with Chase. I received very vague information from the CSR 's who handle calls on how to payoff my lease - a check with the account number and mail it to Chase. A second CSR told me to mail it to XXXX  - by that time it was too late - the Credit Union already mailed the check. 

A check was mailed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and cashed by Chase on XX/XX/XXXX. I called in several times that same week to confirm receipt of the check, but they never marked the account as paid. The CSR 's kept telling me to call back and check, that it should be resolved the next day or within a few days. By mid-XXXX, I requested a supervisor as I was told each time my payment was late or to wait for processing. I was assigned a supervisor named XXXX   who advised me to contact the credit union and get a copy of the check that was deposited and fax it to Chase. It was faxed on XX/XX/XXXX, they said they didn't receive it ; it was faxed two more times by myself and the credit union and they finally received a copy as of XX/XX/XXXX. Since then, there have been no updates and they keep telling me that they payment is being researched and they will follow up. I have called numerous times and get the same answer each time - at least 1-2 per week. I called yesterday, same answer with the additional information of they are aware that there are issues with the Payoff department and I'm not the only person who is experiencing this problem - as if that is supposed to make me feel better - I am only more concerned. 

In the interim, the credit union is asking for the title and I'm paying on the loan through them and Chase reported me to the credit bureaus for late payment.
Product: Vehicle loan or lease

Santender bank, took my car while I was hospitalized, I made many payments on time, paid already the value of the vehicle.They did not want to reinstate the loan, I argue over the phone over an hour to please return the call we need to make the late payment they continually said no. They demanded that I paid the car in full in order to keep it. Santander gives you chances if you're late you can call in and they allow you to be late or not make a payment, I explained to them I was in the hospital I wanted to use those chances and they said no I asked for a manager and there was no way for me to change our mind so they kept the vehicle and put on my credit report that I still owe d XXXX after they took it and would not work with me to catch up with the payments. I lost my deposit that I put down the {$2000.00} and I lost all those payments I was I believe XXXX years into the loan. I want that removed they took my my vehicle and expect me to continue paying for the balance.
Product: Mortgage

I have reached out to mortgage company several times by telephone. I also have been told multiple times to reach out using relationship manager email address. Please see attachment of monthly contact and my receiving zero response beyond youre still on forbearance. We will update you as new information becomes available. In the interim Ive been told to submit my bank account statement which I have done. 

Ive asked multiple times for reduced payment, refinance to lower payment as well as place all arrears to end of my loan and please remove the late fees. 
My requests have been ignored multiple times. 
When I submitted a report, SPS Inc remitted partial information to you and acted as though Ive provided no addl update, banning additional remedies of help on their part. 
I have been and continue to be impacted by COVID. I have not been able to work for almost a year. Ive been looking for work and opportunities have either froze halfway through interviews or have been halted until we are past pandemic.
Product: Student loan

I paid my personal student loan that was held by American Education Services with a personal loan that I received from XXXX XXXX. I have not received any information since the payoff, no letter confirming the payoff. In addition, the XXXX XXXX over paid the loan amount due and the refund check was never received by me, the borrower, nor XXXX XXXX. When I called the student loan company I was given a check # and an amount of {$770.00} but no one can tell me where it went only when it was sent and I have no confirmation of it, no receipt, nothing. 

It is extremely frustrating and the customer service is not good at all. 

We need to find where our check is and have confirmation of the payoff. The service that American Education Services has provided is extremely poor and seems a fit fraudulent because of the loss of funds and the bad communication. 

Company information : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX-XXXX-XXXX-XXXX  Fax : XXXX-XXXX-XXXX
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2020, I attempted to complete a international money transfer to a family member utilizing MoneyGram. 

Transaction value : {$60.00} USD The transfer destination is XXXX, I am XXXX as well. I have previously sent a number of transfers to the specific recipient prior. Upon trying to conclude the transaction, I was given a vague error stating that " I can not complete the transaction online, in-store or over the phone ''. 

I reached out the customer service who proceeded to tell me that I was blacklisted/banned from using the service. The representative refused to provide any details on why this occurred. 

I have filed a customer service case with MoneyGram XXXX Case # XXXX XXXX. They have not responded to it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. 

Experian does not properly investigate disputes and fail to remove or correct errors on my credit report threatening consumers access to credit employment and housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have disputed these account for inaccuracies and they came back as verified but looking at my most recent credit report I am still seeing the same inconsistencies as before. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.