23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately. Inaccurate information has no place in your database or on my credit report so please delete it now. The only name you should have on file for me is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX The only reside at XXXX XXXX XXXX XXXX  XXXX, FL XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX 

XXXX service was terminated on XX/XX/XXXX. 

XXXX final bill of {$690.00} was paid by the XXXX XXXX XXXX XXXX XXXX XXXX during the last week of XX/XX/XXXX. My XXXX  was hospitalized for XXXX weeks, and the hospital paid some of our living expenses. 

No attempts at collecting any additional funds were made by XXXX prior to giving the matter to collection agency. 

The funds XXXX wants were meant to go to a service deposit that would be immediately refunded as we do not use their service. XXXX admits this on the phone. XXXX says it will do nothing to assist as it is in collections. 

Debt collector is not interested in facts. Debt collector demands payment.
Product: Debt collection

Im accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open en
d consumer credit plan as late for purpose 15 USC CODE 1681 a - definitions rules of construction - Exclusions - except as provided, in paragraph the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit card

Please refer to my first complaint ; Case XXXX. XXXX filed on XXXX/XXXX/2016. The nature of that complaint was against CitiBank , N.A . Briefly, XXXX changed from XXXX XXXX cards to Citibank cards. I did not want a Citibank card and advised them by phone in XXXX, 2016. Their binding agreement stated that " Even if you do n't use your card, this agreement will take effect, unless you contact us within 30 days of receiving this notice. '' There was no date on the notice, but I did receive it in XXXX 2016. I called Citibank immediately upon receiving the notice, and told them not to send a card. They sent XXXX anyway. I called Citibank and told them I did not want a card and to cancel any account. THEY REFUSED! I subsequently filed a complaint with CFPB on XXXX/XXXX/2016. 
On XXXX XXXX, 2016 I received a letter from Citibank, XXXX XXXX, XXXX Response Unit, XXXX, advising me that my name and address was removed from their solicitation lists. On XXXX XXXX, 2016, I received another notice from Citibank that a new Citibank credit card was on its way. On XXXX XXXX, 2016, I got another Citibank ( same as the first XXXX ) in the mail, urging me to activate it immediately. 
Apparently, Citibank believes that they can bully the public, and create an account using their credit card, whether they want XXXX or not. Moreover, XXXX XXXX XXXX lied in her response letter to me and to CFPB by telling us that my name and address was removed from their data base. I am aware that Citibank paid a settlement to the Federal Government of XXXX XXXX dollars for Mortgage Loan Fraud. This is indicative of their Fraudulent and Unscrupulous business practices. Now it appears they have branched out into creating unwanted accounts and refuse to delete these accounts from their database. 
I am a mother of XXXX teenage girls, I work full time to support them. I do not have time to be constantly respond to being pestered into having accounts I do n't want ; only to be refused upon request to delete such accounts.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX 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/year>
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are recently reporting a closed account over 10 years old XXXX XXXX  which is hurting my score, violating my privacy rights, and consumer laws. This should not be reported as the account has aged out of the consumer reporting law. Please remove this completely from my credit report.
Product: Checking or savings account

To whom it may concern, On or about XX/XX/year>, I deposited a check for {$3000.00} into a Chase ATM. The following day, I discovered that my account had been closed without my knowledge. Upon contacting Chase customer service, I was informed that the account closure was due to inactivity for 60 days. I was advised that a cashier 's check would be mailed to my address within 7-10 business days. However, after this period elapsed without receiving the check, I called again and was told that a legal copy of the check would be sent within another 7-10 business days. After waiting again without resolution, I visited a branch on XXXX XXXX, where a manager contacted customer service on my behalf. I was informed that a claim had not been filed, and the representative filed one for me, assuring that I would receive my funds within 1-2 business days. After waiting an additional day without receiving the funds, I called again, only to be told to wait another day. Despite multiple requests to speak with a supervisor, I was repeatedly assured that my funds would be forthcoming, yet they never arrived. I was informed that the funds had been mistakenly issued to the closed account, raising concerns about how funds could be deposited into an account that was no longer active. On XX/XX/year>, I was told that my funds should arrive by XX/XX/XXXX. On XX/XX/XXXX, I found that no funds had been deposited into my account. After contacting Chase for the twentieth time, I was informed that the check had been returned to the issuer on XX/XX/year>. If the check was indeed returned on that date, I question why every representative I spoke with assured me that my funds would be forthcoming. It is unacceptable that I was misled for over a month, especially as a single mother of XXXX. The lack of thoroughness in reviewing my case and providing accurate information is concerning. I urgently needed these funds, and this situation could have been resolved weeks ago. I feel that no one was competent enough to manage my case, as I was consistently given false information. I intend to file a formal complaint, as this experience is entirely unjust. Following the change of my direct deposit, I will be closing my remaining accounts, as this has been an unprecedented and disappointing experience with a bank that clearly lacks concern for its customers.
Product: Credit card or prepaid card

I am writing to report JPMorgan Chase Bank for refusing to provide benefits clearly stated in their product agreement, and for failing to protect their customer ( myself ) against unauthorized and fraudulent credit card charges. 

On XX/XX/XXXX I filed a dispute with JPMorgan Chase Bank for an unauthorized charge on my Chase Sapphire Preferred credit card from vendor XXXX in the amount of {$620.00}. I was then informed by JPMorgan Chase Bank that the illicit transaction was performed on XX/XX/XXXX through the website XXXX. JPMorgan Chase Bank promptly canceled my Chase Sapphire Preferred credit card, mailed me a replacement card, and started an investigation on the matter. 

On XX/XX/XXXX I contacted the vendor XXXX to request clarifications on the charge of {$620.00} and I was informed that the purchase of a hotel stay in XXXX was completed using my own XXXX account where my Chase credit card information was stored. An unsuccessful attempt to login into my XXXX portal revealed that my password had been compromised and an unidentified individual had booked a stay at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) from XX/XX/XXXX to XXXX XXXX. After restoring my access to the website, the XXXX agent ( XXXX ) canceled the reservation to the hotel. 

On XX/XX/XXXX I received a letter from JPMorgan Chase Bank stating that my dispute had been declined and that I was required to pay for the unauthorized transaction of {$620.00}. Upon a phone inquiry with JPMorgan Chase Bank on XX/XX/XXXX, I was told that I was responsible for the charge because I did check into the hotel on XX/XX/XXXX. After clarifying that I had not been to XXXX in the timeframe indicated ( XX/XX/XXXX ), the agent agreed to send the dispute for further review. 
On XX/XX/XXXX I was informed by JPMorgan Chase Bank that the decision was final and that I was required to pay for the fraudulent charge of your {$620.00}. The agent was not interested in hearing that I did not make or authorized that purchase, in the fact that I had not been to XXXX ( as JPMorgan Chase Bank previously stated ), and that I had never stayed or checked in at the hotel XXXX  XXXX XXXX XXXX. 

JPMorgan Chase Bank proudly advertises their XXXX Liability Protection of their premium credit cards where you wont be held responsible for unauthorized charges made with your card or account information ( JPMorgan Chase Bank website XXXX. ). Despite to the clear statement on their website and the cardholder agreement, JPMorgan Chase Bank failed/refused to protect me against an obvious credit card fraud. This is some of the most unprofessional, abusive, and disrespectful behavior I have ever experienced. This situation is particularly upsetting due to lack of service from a premium Credit Card ( it comes with a premium annual fee ) that I chose for the extra protection and peace of mind. 

My request is for the charge of {$620.00} to be removed from my credit card account
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found some items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report. Immediately : 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 never received any investigation results regarding these accounts I disputed several times : XXXX Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX  Account # XXXX XXXX | XXXX XXXX Account # XXXX XXXX | Chapter XXXX Bankruptcy Reference # : XXXX
Product: Checking or savings account

On XX/XX/2022, a caller ( spoofing a correct government number ) claiming to be an XXXX agent supposedly informing me of an irregularity in my paperwork. They claimed that an arrest warrant was filed. Later, a second caller, also spoofing the local police department number, called and threatened to arrest me unless this irregularity was cleared. The fraudulent XXXX agent guided me under time pressure ( claiming it had to be done in 30 minutes for the police department 's benefit ) to send a payment of {$1900.00} to a particular account, while claiming it would be returned after an investigation was done. The fraudsters used false names and false ID badge numbers. During this process, the fraudsters also insisted that I share my phone screen with them ( again, supposedly for legal purposes ), which in retrospect was clearly an attempt to obtain login information. Luckily, this was avoided because of face ID substituting for actual password entering. 

I sent a payment of {$990.00} under this false premise from my Chase checking account using XXXX to an account under the name of " XXXX XXXX '' ( a further payment was declined due to triggering the bank 's security alert ). Because the fraudsters impersonated an official government agent and attempted to access my account, this is clearly an example of fraud that should be covered by regulation E, meaning the bank should reverse this payment. However, after a call with Chase, they refused any responsibility and offered no recourse.

Quoting the relevant Regulation E FAQ website : " ... ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs. '' Any specific information can be provided on request!
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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Mortgage

I have reach out to SN Servicing because I was sent a letter saying I was {$15000.00} behind in my mortgage when for a XXXX I have been sending in the payment amount of {$600.00} and when I called they were very RUDE to me as I was trying to understand what happened and why they said I owe that amount because my escrow had went up, I was not aware that it had went up or that my payments had changed. I completed a loan modification to try and reduce my payments so I can continue to live in my home and was told I was denied. I spoke to XXXX XXXX and she said her investors told her to go forward with Foreclosure. I am not sure who my XXXX Holders are and I am not sure what is going on, I have not been getting any mortgage statements in the mail. I was calling and leaving messages and resorted to e-mailing trying to get some help with this matter. Once I realized my insurance is what made my escrow go up, I have found some cheaper home owners insurance but they are refusing to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not agree or believe this companies resolution to my dispute was fair. I clearly explained how this company failed to notify me of my online access to make payments being removed once my account was closed. I also explained I was provided false information earlier this year by a customer relations manager that I would receive a letter in the mail to help me reinstate my ability to pay online. I was instead sent just a statement and to this day do not have the ability to pay online. This repeated failure to assist me, and false information directly lead to me missing payments. In the official response from the office of the president from this company, the document even states you can make payment online, which was extremely frustrating for me, as this is not true. As I stated in my first complaint, this is the only company I have struggled to make payment with due to the lack of assistance and false information.
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX Account number : XXXX or XXXX 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. 
Also Washington is a closed-border state. You must have a license before contacting debtors or soliciting clients in Washington, which the XXXX does not have. Therefore you can not begin business activity until you receive a business license listing the required endorsement as an In-state Collection Agency endorsement is required if your main office is in Washington state or your main office is outside of Washington state and you have, or plan to have, clients located in Washington state . ANY business involved in collecting a debt on behalf of a debt owner, or collecting a debt you have purchased from another person and either you, the debtor, or the debt owner are located in Washington, you must have a Collection Agency endorsement and be licensed in Washington. 
Lastly, the account in collections for the amount of {$740.00} is not mine, but it was opened with my information. The only account Ive personally opened in my name is my current active XXXX  account at my current address and was opened on XX/XX/year> at XXXX store no. XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 USC 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this TITLE. 

NOTICE TO PRINCIPAL, NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 
Please be advise this is my THIRD WRITTEN request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 
All of these accounts have violated the laws listed above : XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX these Accounts have violated my rights According to FCRA. 

ALSO, ACCORDING TO THE GRAHAM-LEACH-BLILEY ACT : FINANCIAL INSTITUTIONS COVERED BY THE GRAHAM-LEACH-BLILEY ACT, MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT " IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. NONE OF THE ACCOUNTS LISTED ABOVE FOLLOWED THE REQUIREMENTS OF THE PRIVACY RULE!
Product: Credit card

I have been told the payment has n't posted but I have mailed the payment two weeks ago. I have had a problem with Amazon Chase before with excessive overdraft fees. I do n't know when the next problem with this company will happen. Please help me to close the account without financial hard ship. Please I need help with this credit company.
Product: Mortgage

I applied at a bank to pay off a heloc loan at citizens bank. A certified check was sent with payoff of {$120000.00}. The check was received at citizens on  XXXX / XXXX / 2017 . I called for 7 days to see if they received it but they just kept saying no. So i got a tracking number ro prove it  WAS  received  XXXX / XXXX / 2017 . They finally paid the loan off but charged me interest thru  XXXX / XXXX / 2017 . I called to inquire and all they can tell me is they charged me thru  XXXX   XXXX  with no regard for receipt date. They also charged {$49.00} FEE which i have no idea what it is. They charged {$350.00} early payoff fee but i dont know what the {$49.00} fee is. I can not get any answers.