23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NPG Associates started calling me in XXXX of 2024 every time from different numbers stating to have ownership and collect a debt from XXXX XXXX XXXX  XXXX is what they are trying to collect sue me and take me to court for i was in a really abusive relationship and had to flee i don't have none of the items. they were given XXXX tvs back but the couch and love seat and XXXX was not i don't know what happened to it but i would just like this settled please this man tried to XXXX  XXXX XXXX XXXX XXXX and he took everything from me. ive had to start over. I've also asked XXXX XXXX XXXX to give me information on all accounts the have not provided me with it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account number XXXX XXXX  SYSTEM # XXXX, have violated my rights,
Product: Mortgage

DITECH FINANCIAL LLC., and XXXX are attempting to sale my home on the courthouse steps XX/XX/XXXX with an assignment that was robo signed XX/XX/XXXX by XXXX an atty that was attempting to foreclosure a few year ago. the assignment was created after the cut off date of the of the XXXX. According to section 201 of the pooling and service agreement had to be conveyed prior to this cutt of date of XX/XX/XXXX. The assignment is fraudulent ATTY XXXX was not the vice president of XXXX. HE WAS THE FORECLOSING LAWYER. XXXX signed a verified affidavit XX/XX/XXXX, and it was filed in SUPERIOR COURT OF XXXX GA XX/XX/XXXX. This affidavit was also recorded in the deed book. I have asked that my concerns be address, and this foreclosure be stopped for XX/XX/XXXX The cut off date of the trust in section 201 clearly states that this assignment should have been obtain before XXXX, also it contain fraudulent infomation, and fraud can not be the basics of obtain a deed. my main goal is to keep my house with an affordable payment to the write party
Product: Credit card or prepaid card

I viewed a website for some hand tools ; I read the reviews on the ratings, complaints and reliability. I placed my order on XXXX and billed it to my Citibank card. The order went thru, in the order statement, it stated when the order is ready I will get an e-mail from the company when the order will be shipped. To this day I do not have ANY order, documentation, and the website is gone. 
XXXX : I did not receive any type of invoice for the order ; I emailed the company and stated to cancel the order, and NEVER received any response to date. I put in a dispute with CITIBANK. ( 1 #, 2 # copy, at the top of 2 # investigation complete, Resolved-Customer Responsible XX/XX/XXXX, XXXX do not have any information from the company ) called CITIBANK on XXXX and explained what happened. 
XXXX ( 3 # ) Document States they did not receive any proof of cancellation- BIG FAT LIE, also copy was included of XXXX delivery and proof of delivery statement. I went to XXXX and showed them the shipping info, they stated this is not standard delivery documentation and the weight of the Item that I ordered ( Tools ) would have weighted XXXX and I spoke to my neighbors to see if by chance they may have received the package, all stated no and nothing has ever been stolen and also stated to the CITIBANK rep . I called again to CITIBANK, explained again to the dispute dept, the same response was youre a great customer and we will get your money back and this did not happen. 
XXXX Same statement 4 # I called back again to the dispute dept, asked for the manager of the dispute department, on hold for 3 minutes, the rep stated that they spoke with the manager and they will refund me the {$99.00}. 
XXXX I called again to the dispute dept, demanded to speak with the manager of the dispute dept, again on hold 3-5 minutes, the rep stated they spoke with the manager, they will refund me the {$99.00}, e-mail, send a letter stating the fund, again I demanded to speak with the manager and the rep would not do that. 
XXXX To Date Nothing has been refunded, no email and no letter from CITIBANK. 
I feel that CITIBANK has failed to their job, very dishonest verbal statements, Im their customer, should be represented and instead they took the vendors words. CITIBANK stated they reached out to the vendor, CITIBANK should have provided me with all the information from the vendor and I DO NOT have any information from the vendor. I checked my credit rating and it has dropped XXXX points due to all of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT
Product: Checking or savings account

Over the years I kept getting emails that my account was low in funds and had to pay a fee
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX TXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an account that was never. I've tried several times to have XXXX remove this from my credit file. As of today it is still showing as a delinquent account. This has hurt my credit score as well as having an effect on me moving forward to seek any loans or new credit cards. Creditor is XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX XXXX account # XXXX. I would like this removed from my file immediately. Thank you!!!
Product: Credit reporting or other personal consumer reports

Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Experian report has been modified with invalid data to punish and manipulate consumer into another payment. Screenshot includes over due payment that was due moments ago. This Experian has refused to delete file like XXXX and has instead sided with company without running any form of investigation as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 accountwithout my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XX/XX/XXXX, of this year I sent in a letters to XXXX, XXXX and Equifax about incorrect items on my credit report. Due to these incorrect items on my credit report. I have been unable to obtain credit or get a new job. This incorrect information reporting has harm my life and credit. It has been 30 days without a response from the bureaus. According to the law their suppose to reply within 30 days which they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several fraudulent inquiries removed from my credit report from TransUnion. After a company computer glitch they were all added back onto my credit report without giving me the legally required written notice 5 days prior to re-adding them. I contacted TransUnion many times in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke to several reps and mangers. They refused to remove the fraudulent inquiries from my report. These inquiries add a hardship for me and my rights are being violated by TransUnion. I am requesting the help of the CFPB to help me in making TransUnion stop victimizing me. I request that all of the inquiries showing on my Transunion credit report be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit card or prepaid card

I had a credit with Bank of America more than 2years but Ive never receive a rewards from the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CIS XXXX XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 

I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe that the late payments were a result of an issue with the account being transferred and miscommunication between lenders, which should not have resulted in a delinquency being recorded. Also, I had provided documentation to resolve the transfer issues with XXXX prior to the reporting of these payments. 

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Product: Vehicle loan or lease

On Friday XX/XX/2019 XXXX spoke to XXXX about doing a deferment on the XXXX XXXX XXXX financed with Quality Acceptance. He agreed to provide the deferment with XXXX on the phone. On Monday XX/XX/XXXX we still had not received the deferment by email so XXXX called XXXX. Tuesday at XXXXXXXX XXXX we finally got the deferment paperwork from Quality acceptance in emails between XXXX and I but at around 5-6 am on Wednesday, XX/XX/2019 they decided to repossess out vehicle anyway after agreeing to the deferment.
Product: Checking or savings account

Subject : Complaint Regarding Mishandling of Personal Information by JPMorgan Chase To Whom It May Concern, I am writing to file a formal complaint regarding an incident that occurred during my visit to the JPMorgan Chase branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA, on XX/XX/2024, at approximately XXXXXXXX XXXX. During my visit, I interacted with XXXX XXXX, a Relationship Banker, concerning inquiries about my accounts, specifically my CD and credit cards. 

My concern arises from an unsettling interaction regarding the handling of my personal information, particularly my Social Security Number ( SSN ). XXXX XXXX requested my SSN in order to provide me with a copy of my tax XXXX. Upon her request, I reluctantly provided my SSN, which she then proceeded to write down on a piece of paper. 

Subsequently, XXXX XXXX left her office, ostensibly to retrieve the requested document. Upon her return, she provided me with the necessary paperwork but failed to return the piece of paper containing my SSN. When I inquired about its whereabouts, XXXX XXXX informed me that she had shredded it in another office. 

This explanation is deeply troubling for several reasons. Firstly, as a customer, I am entitled to the utmost protection of my personal information. The fact that my SSN was written down and subsequently removed from my presence without my consent raises serious concerns about the security protocols in place at JPMorgan Chase. 

Moreover, the manner in which my SSN was handled leaves me with no assurance of its secure disposal. XXXX XXXX XXXX assertion that she shredded it in another office, away from my observation, creates a significant lapse in accountability. Without concrete evidence of its destruction, I am left vulnerable to the possibility of identity theft or unauthorized access to my personal information. 

I find it unacceptable that I am now left with no recourse to verify the disposal of my SSN and ensure the protection of my identity. This situation not only undermines my confidence in JPMorgan Chase 's commitment to safeguarding customer information but also exposes me to potential financial and personal harm. 

Therefore, I am formally requesting a thorough investigation into this matter by the Consumer Financial Protection Bureau ( CFPB ). I urge the CFPB to assess JPMorgan Chase 's procedures for handling sensitive customer information and to take appropriate action to rectify any deficiencies discovered. 

Furthermore, I demand that JPMorgan Chase provide me with a detailed account of the steps taken to dispose of my SSN and implement measures to prevent similar incidents from occurring in the future. As a loyal customer, I expect nothing less than the highest standards of privacy and security from my financial institution. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to address my concerns and safeguard the interests of consumers. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX CAPITAL XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXXLL # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit card or prepaid card

On XXXX I called citi by phone and requested to pay off my account which it was {$7200.00} Day later I called my bank and citi and citi balance was XXXX Now they charged me interest claiming that tge interest is from the balance I had carry before the payoff Which it doesnt make any sense Other than citi make money off of XXXX tge customer They were charging me interests when I was making payment No they charge interest when I paid off the account It doesnt matter make a payment or pay off customer can not get free of citi XXXX full
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S.

Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. For the record, Im the one whos initiating the 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. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 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 ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a letter claiming I owe a medical deb that did not have my correct name. 

I reached out to Wake Field & Associates to validate the debt. They told me they would. This never happen. 30 days later, I reached out - no reply via email and letter. No reply. Called again - no assistance with this company. 

Now I have a collection report on my credit report. 

This company will not and has not validated this debt. 

The debt is not even in my name. 

Wake field & Associates will not confirm the debt. Now it's on my credit report without any a chance to confirm its mine.
Product: Debt collection

I have notified XXXX XXXX XXXX that an account in the amount of {$71.00} does not belong to me. Yet they still report it on to my credit file. I have also notified Equifax yet my request has been ignored to remove from my credit file. I am a victim of identity theft and did not open or authorize this account or at any establishment that XXXX XXXX represent. I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I will be forced to sue all CRS 's reporting this account and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am currently disputing inaccuracies on my credit reports with XXXX, Experian, and XXXX so I dont understand how I received a notification for a hard inquiry this morning when all 3 of my reports is supposed to be froze.