23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a vehicle at a car dealership XXXX, but did not expect the sales representative to send my personal information to several bank/lenders. It resulted in a dramatic drop in my credit report from all 3 bureaus. Requesting that the following items from the Identity Theft PDF be removed from my credit report immediately according to the Fair Credit Reporting Act. Thank you for your time.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer services and violating the customer financial protection act. Cash app failed to protect. My account a did not have a customer service number to call. Which violates my customer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complain and I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following accounts and have these corrected : XXXX XXXX XXXX XXXX XXXX Balance {$48000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX XXXX Balance {$67000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$310000.00}.
Product: Debt collection

In XXXX I closed my JPMC ( Chase ) card account due to erroneous charges. 
In XXXX JPMC offered to settle the unpaid balance of approx $ XXXX at approx 31 % ( {$2000.00} ). 
In response to above offer, on XX/XX/XXXX I mailed Chase a settlement check for that {$2000.00}. The check was drawn from my own Chase checking account. Chase cashed it in XX/XX/XXXX. 
In XX/XX/XXXX XXXX  showed the account was still owing the balance of approx $ XXXX. When I disputed with XXXX  - furnished copy of Chase Check # 004 showing settlement check in the amount of {$2000.00} was cashed by Chase, Chase still 'Verified ' to XXXX  that the balance was 'still ' approx $ XXXX ; that the settlement payment of 2 years ago was just a payment towards the balance not a Settlement despite written all over it was Settlement. Thus XXXX  to this day continues to claim the above debt is 'verified ' as still UNPAID. I then closed my Chase Checking account, but still continue to hold a Savings account with them in order to keep open, transparent lines of communication since at least the past 5 year. 
In XX/XX/XXXX suddenly I started receiving collection letter for the remaining $ XXXX that was previously settled. When contacted by phone, Chase claims a third party named 'United XXXX settled the debt for 62 % thus my payment to Chase for 31 % in XXXX was only 'half ' of the total settlement amount and the 3rd party was to get the other 'half '. 
I've never heard such cockamamie practice/excuse before. As it stands, Chase has dug up old settled accounts in attempt to collect anew after its 5 years of silence on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have information that is incorrect. We bought a house. The first XXXX XXXX company transfers it to a second XXXX XXXX XXXX who then transferred it to a third LoanCare and they transferred it to a fourth XXXX XXXX company. which is the company that we pay our mortgage to. The third company reported to the bureaus that we paid it off. and reported 0 balance. Somebody there reported it as being delinquent and our score was dropped 108 points. we asked Loan care to delete the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. IM SEEKING A COURTESY ON A LATE PAYMENT DUE TO UNCONTROLLED HARDSHIPS. PURSUANT TO 15 USC 1666B, FAILING TO PROVIDE A STATEMENT 21 DAYS BEFORE THE LATE PAYMENT IS A VIOLATION OF MY CONSUMER RIGHTS.
Product: Vehicle loan or lease

Hello, I have attempted to settle matters with CHRYSLER CAPITAL XXXX telephone calls and certified mail, after my property has been unlawfully stolen and resold. CHRYSLER CAPITAL is a debt collector and they have billed myself, the consumer in error pursuant to 18 USC 8 and 15 USC 1666. They have not perused legal matters to take ownership of my vehicle. I have called and asked to speak with the CFO, and or THE attorney representing CHRYSLER CAPITAL, but i was told that my findings were incorrect and inaccurate. CHRYSLER CAPITAL has forged my signature on multiple documents in the process of obtaining payment for my vehicle. I did not give them consent nor agree in a formal written request for them to take my car and resell/auction it. I hold Sole title and owner Position to my stolen vehicle. I also asked CHRYSLER CAPITAL to forward me an original contract including my signature and their signature executed and they have yet to provide that forgoing evidence. I have no original promissory note with CHRYSLER CAPITAL. I have also ceased and desisted all verbal communication with CHRYSLER CAPITAL via certified postal mail. If i fail to receive remedy, legal actions will be perused.
Product: Credit card

Was contacted by a company called XXXX. They offered me a 0 % life of the balance transfer, 0 % balance transfer fee. I started getting credit cards in the mail under my name. They applied for credit cards in my name and sent them to my house, then did a balance transfer without my knowledge. Now I ca n't reverse it and am being charged a 4 % balance transfer fee ... and with a 0 % 15 month promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquiries were made on my credit report on XX/XX/2023 and XX/XX/2023. I did not authorize them to make a hard inquiry. I tried calling each of the companies to dispute it and they could not provide me with any information. I tried calling the credit reporting agencies and they said I had to call the companies directly. 

Hard Inquiries XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXl ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX funds to collect a debt of XXXX, XXXX XXXX dollars, and then a few weeks later after I was attempting to cooperate by sending in check stubs to sign up for rehabiliation program. XXXX and XXXX XXXX  send me a letter and indication by phone that I owed XXXX XXXX dollars. I began to question this debt altogehter because I was told that XXXX was required to purchase for XXXX. At this point, I verbally disputed this debt because I do not owe XXXX XXXX dollars. The representative from XXXX told me that they was attempting to collect on XXXX XXXX. I was not familiar with this company at all, and therefore, I stated again that I did not agree with the debt. I sent a certified letter to dispute the debt to XXXX and on behalf of XXXX XXXX. On XX/XX/2018, I received a letter from XXXX XXXX indicating that they reported a debt of XXXX, XXXX XXXX to Experian XXXX XXXX. XXXX XXXX  did not report with notification the the debt was being disputed. Neither company has completed the requested validity of the debt within the 30 day timeframe from first request, so this is a direct violation of the Federal Fair Debt Collection Practices Act. This is harassment and misleading in every way. In addition, XXXX XXXX XXXX XXXX XXXX contacted me XX/XX/2018 threaten to contact my employer for wage garnishment. I did not know who this company was until I searched that XXXX XXXX  had transferred their XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX failed to disclose their affilation with XXXX XXXX to collect a debt through threats to contact my employer for garnishment of wages. This is deceptive and unfair in nature, another violation. Consumers are expected to follow the procedural routes, and these companies should be held to the same standard. As a result of there tactics, it has caused me a lot of distress and unrest. I just want fairness in the matter. How can XXXX and XXXX XXXX   state that I owe XXXX XXXX and later owe XXXX due to fees, but report to the credit agency a debt of XXXX XXXX, because I did not sign up for the rehabilitation program. XXXX and XXXX XXXX have not completed the validity of debt as requested by ceritified letter dated XX/XX/2018. Please assist with this debacle and bring some kind of fairness to the matter. Thank you ....
Product: Credit reporting, credit repair services, or other personal consumer reports

My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. Wells Fargo Bank allowed fraudulent charges and owes me over XXXX for fraud.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

Letter written to Citibank after repeated phone calls with no results. 

XXXX, XXXX, XXXX  Ref : AA Executive Citi card # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX Dear XXXX XXXX, I am very sorry to have to resort to writing to you in order to resolve an issue created by Citicard. But repeated communication have provided no satisfactory results. 
While in XXXX XXXX on a 6 weeks trip, XX/XX/year>, I received an urgent message from Citi saying to contact them due to a recent fraud charges on my AA executive card. Of course, the toll free number did not work from XXXX, so I found a local US prefix I could use. I contacted Citi and told them the charge from XXXX was not mine. The representative informed me that the card would have to be cancelled. I told him there was no place to send me a card since I was traveling until XXXX, XXXX. He said NO PROBLEM, I could contact Citi upon my return and a new card would be sent. Of note, the card was no longer available for my use and many reservations charges to the card had to be changed to another card. 
Upon my return, XXXX, XXXX, I called Citi and after be transferred 5 times got a person who indicted he would look into the issues and get back to me. Of note, I paid the annual fee, around {$600.00}, in XXXX XXXX. 
The supervisor did call me the next day but indicated he needed more time. For some reason, Citi HAD PUT THE ACCOUNT INACTIVE. I asked for a new card since I had paid the annual fee. The next day I received an email indicating a message from Citi- upon review It stated my account was closed. 
I never requested the account closed. I requested a new card. I really do not understand why I was treated this unfair way. With Amex Platinum then this same thing occurred, I was sent a new card with a new number. 
I would like my account reopened or a new account created. I can not believe that this is not possible, especially since I paid the annual fee. I have over XXXX XXXX miles on AA so I do use the card. I know my credit history is readily available. 
At the lease, Citi should have opened a new account and given me credit for the annual fee. Luckily during my travels, I carry several credit card. 
I hope you can assist in resolving this issue. I have been a good customer. 
XXXX XXXX till XXXX, XXXX  address XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Mortgage

We have no problem with our ability to pay our mortgage and had everything set up for recurring, automatic payments. 

Suntrust recently took over our mortgage- the fourth transfer in about 6 months. So we had to set up everything all over again. There were many hiccups in the beginning and we got communications from them explaining that they were also merging with another bank and they took responsibility for the problem. 

Now they continue to have problems, they gave us no phone call, no email, no letter indicating any trouble until we suddenly got a letter indicating our loan is in default. 

We had to wait for an hour on the phone after being knocked out of the call twice when the system seems to have randomly kicked us out. We have finally been able to make the payment but they still did not set up the recurring payment. We are now waiting on the phone for a fourth department as they try to find someone to help do that. 

We did not choose this company, we would never choose this company. Why is mortgage transfer allowed without minimum commitment?
Product: Mortgage

The mortgage company I believe is ripping me off, The mortgage principal is not going down as we expect it to. When I tried to refinance with XXXX XXXX  XXXX XXXX the mortgage company I belong to wrote that company a letter indicating that I was behind in my monthly payment which was not true causing the refinance not to go threw ; then sent a letter explaining his office made a mistake writing that letter. It just seems that I am never getting out of this mortgage loan and I need help.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention
Product: Checking or savings account

In XXXX I moved to XXXX from XXXX, I had an account at regions bank, they closed my account they told me it was because they do not have a branch on the XXXX XXXX, I still had XXXX $ in the account, since then they have collected all my stimulus from the irs and XXXX transfer for my business and will Not release my funds, they said I have to come there to close the account which I have proved I am unable to get on a plane due to Health issues my cousin has power of attorney and they still wont close my account and mail my check they are still accepting money on my behalf and keeping it. Ive tried so many times to get my money out of this bank account and on top of all this they are changing me XXXX $ a month to keep my account open they also is still accept my XXXX ect on my behalf
Product: Debt collection

A .Alliance collection Agency is continued to damaged my credit report because they said I owe them money that I 'm not aware of. They are stopping me from getting a home loan because of this issue. I sent this company a debt validation letter and they fail to provided me any proof. it has been longer then 30 days I gave them to respond back to me but yet no response. I am a victim of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have insurance with XXXX XXXX XXXX. My daughter was in a rental while some mechanical issues were being repaired. While in this vehicle, a rock hit the windshield of the rental car while on the highway. I filed a claim with State farm and they advised that the claim was reported to Lexis Nexis as a " not at fault incident. '' However, I am seeking new insurance quotes and they are coming back in the thousands of dollars per month due to this reporting. I am being told that Lexis Nexis is reporting an incident with another vehicle and the claim was placed under liability instead of comprehensive, also I was told by a carrier that they are reporting a payment made over the threshold. There are no details listed stating this is a simple windshield claim that does not involve another vehicle. This negative/inaccurate reporting is causing me a financial burden. I am unable to receive reasonably priced car insurance. I am requesting that this be reported accurately and proof of the change.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I identified multiple billing errors that violate 15 U.S. Code 1666 ( b ). According to this statute, a creditor can not classify a payment on a credit card account under an open-end consumer credit plan as late unless they have adhered to specific requirements. These include ensuring that each periodic statement, containing the information required by section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. Additionally, the statute prohibits errors such as failure to properly reflect payments or credits, and computation errors on statements. The creditor did not provide me with a statement 21 days before the payment due date, meaning no late payments should have been recorded. I request concrete proof from the creditors bank account showing that I failed to make the payment and that it was erroneously marked late. This is a billing error. The following items should be corrected to reflect " paid as agreed '' on my credit report : XXXX XXXX XXXXXXXX - XXXX - This is also completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Under the Fair Credit Reporting Act ( FCRA ), these accounts must be updated or removed immediately. Should this not be resolved promptly, I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 U.S.C. 1681n. Additionally, I have already forwarded this issue to the Consumer Financial Protection Bureau, the State Attorney Generals Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. Please note that you have 30 days from the receipt of this letter to complete your investigation, as stipulated by FCRA Section 611 ( a ) ( 1 ) ( A ). I also request a description of the procedures used to determine the accuracy and completeness of the information, to be provided within 5 days of the completion of your re-investigation. I am maintaining a detailed record of your actions, including your method of verification, and I do not consent to e-Oscar or any automated verification methods.
Product: Checking or savings account

On XX/XX/2021 I was notified by XXXX that my name and Social Security number were used to open a fraudulent checking account with BB & T. I immediately contacted the bank at this phone number ( XXXX ) XXXX. I filed a police report. I contacted the Federal Trade Commission and Social Security Agency to report the event. I was assured by BB & T that the account had been closed and that an investigation would take place. When I started receiving paperwork from BB & T I became alarmed and called the bank again. I was reassured that the account was closed, an investigation ongoing and that whatever communication I was receiving by mail was in the pipeline prior to any measures being put in place. I am now in receipt of notification stating that my account is overdrawn by {$200.00} ( plus late fees ) and that if I dont cover this debt a collection agency will be retained to recover this amount. I have called the bank repeatedly. I filed a complaint with XXXX ( # XXXX ) BB & T answered on XXXX stating that they were investigating and I would not be responsible for accounts not opened by me. However, as you can see with the attached -- they are still trying to extort money from me and they claim they only recently closed an account that I declared fraudulent in XXXX. This matter has been going on for over two months. This is a fraudulent way of running a bank. Please, help me.