23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a series of small transaction from XXXX from the beginning of XXXX. I didn't notice them because I hardly ever use my chase saving account. However, during XXXX and XXXX this year I was suddenly charged thousands of dollars, that's when I started to realize that someone has stolen money from my account. 

The two largest unauthorized transactions happened on XX/XX/XXXX and XX/XX/XXXX, with amount of {$5300.00} and {$1700.00}. The total amount of those unauthorized transactions is more than {$10000.00}. 

I tried to contact chase multiple times since XXXX, but they said they have " sixty days liability '' and refuse to refund my money. They asked me to contact XXXX and XXXX for refund.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into the credit reporting practices of XXXX and Experian. After a thorough review of my credit reports, I have identified several inaccuracies related to the following accounts : XXXX XXXX XXXX XXXX XXXX  : Account Number XXXX Upon review, I noticed that critical information such as the open date, the date last active, and the date of last payment are inconsistently reported across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Furthermore, I have identified additional discrepancies that I believe warrant immediate correction : Charge-Off Balance Reporting : One of my accounts, listed as a charge-off, is still showing a balance even though it was sold to a debt collector. This is inaccurate reporting, as the original creditor no longer owns the debt. The balance should be listed as XXXX, particularly since I have not received a Form 1099-C for cancellation of debt income, which is required for tax purposes when a debt is canceled.

1099-C Reporting Issue : In my communications with XXXX, XXXX was informed that I would receive a 1099-C when the statute of limitations expires. However, if the creditor has already reduced their tax burden by reporting the charge-off to the IRS, I should have received a 1099-C to include in my 2023 tax filings. The fact that I have not received this form raises serious questions about the accuracy and legality of the continued balance reporting on my credit report. 

Given the discrepancies and the potential legal ramifications under the FCRA, I respectfully request that the CFPB conduct a thorough investigation into XXXX and Experian 's reporting practices regarding these accounts. I urge you to ensure that all inaccuracies are corrected, including the removal of any improperly reported balances on charged-off accounts. 

I trust that the CFPB will take swift action to uphold the integrity of the credit reporting system and to protect consumers like myself from the damaging effects of inaccurate credit reporting. 

Thank you for your attention to this urgent matter. I look forward to your response and to the prompt resolution of these issues.
Product: Checking or savings account

I opened a checking account with Citi Bank based on an advertisement to open the account. The account was immediately closed and I have spent over XXXX hours on various days and times trying to get somebody to tell me why. The bank is holding $ XXXX of my funds and said I should have gotten a letter explaining why they closed my account and nobody on their customer service can tell me why. The bank said I may not get my funds back that I deposited for over 60 days. I have gotten the run around the last XXXX times I have called. I should be able to have somebody tell me why my account was flagged and closed upon account opening and the bank should not hold my funds for XXXX plus days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXX/XX/XXXXwith a balance of {$7800.00} -This is not my account.
Product: Credit card or prepaid card

My first problem with AMEX started when I first opened my account and never received my card. I was able to purchase my course at XXXX XXXX XXXX of a little bit over $ XXXX online because they provided me a temporary card for online purchases. After the 10 days I was supposed to get my card, but that never happened. I called the customer service many times to complaint about but still I never got my card. Therefore, I paid my balance and cancelled my account with AMEX. However, on XX/XX/2019 one of my classes at XXXX XXXX EXTENSION was cancelled so I had a refund of {$930.00}. Because  of the refund I contacted the customer service to have the amount transferred to my bank account and I was told that they were not able to make an online transfer to my XXXX XXXX bank account, so they would have to mail me a check of {$930.00}. It's been over a month and I have never received my check. I keep contacting them over the customer service to solve my problem and every time I call they make me go all over again to say they'll update my address and process a new check. I truly don't know what else to do. 
This has become a nightmare.
Product: Debt collection

XXXX XXXX has already pledged collateral to the federal reserve on my behalf to pay off this debt. 

This company has committed securities fraud and breach of contract. Per a forensic audit, XXXX XXXX has been illegally trading my securities on the secondary market. I am requesting a 1099 B & I have already sent an opt out notice per 16 CFR 313.7 and they have not performed. Also this company claim to have a lien but do not have a UCC 1 Lien on said vehicle. All rights, titles and power of attorney have been revoked via trust.
Product: Mortgage

I made a payment on XX/XX/XXXX. It was not applied, in fact it was returned.
Product: Mortgage

My client is a   XXXX   XXXX   and can no longer   XXXX   his two story home. He asked us to assist in him in a short sale. His listing agent obtained an offer for {$250000.00} and we submitted it t o SPS  on  XX/XX/XXXX   . On  X/X/17    when I spoke with SPS I was told the value was {$240000.00} and that they would have a decision in 30 days or less. I followed up on  XXXX  and the rep said the value was missing - when I told her it was in and at $  XXXX  she found it. I called on  XXXX  and was told that we need to remove the verbiage HAFA from the HUD and put in the sellers name. I ordered that revision from the title company and submitted the revised HUD via e-mail on   XXXX    . They uploaded it to their system on   XXXX    . I have called every other day since then and am told it will be 30 days from the last date the document was received (  X/XX/17    ). I have tried to escalate the file but management and the Ombudsman department refuse - telling me they are " allowed '' 30 days to review. I understand federal regulations but why HOLD the file for 30 days just due to  one sma ll clerical change on an offer that is {$15000.00} ABOVE value? They continue to hold the file until  X/XX/17   .
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXX, XXXX, XXXX  XXXX Re : Dispute for Permanently Removing Accounts Dear XXXX ( and Experian ), I, XXXX XXXX XXXX, am writing to dispute and request the permanent removal of the following accounts from my credit report, which are currently inaccurately reported and harming my credit score : XXXXXXXX XXXX  XXXX ( account number : XXXX ), XXXX XXXX Bank ( account number : XXXX ), XXXX XXXXXXXX Bank ( account number : XXXX ), XXXX XXXX XXXX  ( account number : XXXX ), XXXX Bank XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), and XXXX XXXX  ( account number : XXXX ). 

Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( d ) ) and Regulation V, 12 CFR Part 1022, Section 611, which prohibits the reporting of accounts that are not in dispute or past due, I request that you ( and Experian ) verify the accuracy of these accounts and permanently remove them from my credit report within five ( 5 ) business days from the date of this letter, under the penalty of Section 616 of the FCRA ( 15 U.S.C. 1681n ), as failure to do so may result in liability for actual damages and statutory damages of not less than {$1000.00}. 

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

I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of XXXX inaccurate accounts from pages XXXX and XXXX of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX XXXX XXXX due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX XXXX listed under page XXXX of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. On an XXXX report from XXXX dated XX/XX/XXXX under revolving accounts XXXX XXXX XXXX XXXX shows NO late payments ( See attached page from XXXX ). 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. 
Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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.

As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ; XXXX XX/XX/2023.
Product: Vehicle loan or lease

There has not been any of the options listed. If this is not where I need to go then please direct me. The company, US Auto Credit has just recieved our lien. It was sold a couple months back. They have been harassing us by calling almost daily. They are instructed to call me and not my husband but they call him daily while he is at work and call me once a week. I have requested 4 separate times for them to cease their calls and they keep saying they have it blocked but we have proof otherwise. We are tired of being harassed. We are up to date on payments, and everything is perfect. When we call back ( because husband usually misses the call since he is at work ) they never seem to know WHY we recieved a call? They all have attitudes and im going to be calling the cops next. I'm out of my depth here.
Product: Debt collection

This was paid after being charged off.They are reporting inaccurate information, the account is reporting years of late payments after being in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! Transunion, XXXX and XXXX have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police report.
Product: Credit card or prepaid card

Unfortunately this is likely moot at this point however I received approximately {$1300.00} of AMEX gift cards for XXXX of XXXX and i used some but retained a good portion of one to utilize for my birthday in XX/XX/XXXX. There was almost {$300.00} remaining on one of the {$500.00} cards which i attempted to use at XXXX 's XXXX XXXX in XXXX XXXX XXXX and come to find out the balance was stolen. Needless to say i was more than embarrassed and used my own CC to pay for the meal. I contacted AMEX as soon as i returned home and was advised that they don't replace or refund gift cards! I couldn't believe what i was hearing but the rep wouldn't even take a complaint or report. I was disgusted but never pursued the incident further but did write a scathing review online. My son just found on the XXXX XXXXXXXX XXXX site that there is a {$30.00} refund for an AMEX gift card, purportedly the one I've referred to. I no longer have the cards because I trashed them after AMEX gave no satisfaction however now I would like to lodge a formal complaint. My friend would have been mortified to find the gift he generously gave was unable to be utilized so I never even told him but in the event AMEX does ask you his name is XXXX XXXX XXXX. Please let AMEX know that as a supposedly reputable company they should stand behind the products they sell.
Product: Vehicle loan or lease

Capital One Auto Finance has been requested to provide an affidavit to confirm they are still in possession of the original promissory note and that it was not used as value to a check. Also, that the loan was funded by Capital One 's money, capital funds, or money equivalents to pay for the auto loan issued to me. 

I am asking for full disclosure and transparency, which I am fully entitled to.
Product: Credit reporting or other personal consumer reports

Clear Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) with XXXX Account XXXX Reinsertion. The account was deleted from my Equifax credit report on XX/XX/XXXX and reinserted on XX/XX/year>, with NO NOTICE within 5 business days. If the CRA reinserts the information, it must notify the consumer in writing within **five business days** of reinserting the data. Equifax Did Not Notify Me Conditions for Reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : ** Under the FCRA, if a credit bureau deletes information from a consumer 's report due to a dispute, the same information can not be reinserted unless **all of the following requirements** are met : - **Certification from the Furnisher : ** The furnisher of the disputed information must certify to the credit reporting agency that the information is accurate and complete. Without this certification, reinsertion is prohibited. 

- **Notice to the Consumer : ** If the CRA reinserts the information, it must notify the consumer in writing within **five business days** of reinserting the data. The notice must include : - A statement that the information has been reinserted. 
- Contact information for the furnisher of the information. 

- **Compliance with Dispute Resolution Procedures : ** Any reinserted information must comply with the FCRA 's dispute investigation process, ensuring its accuracy and verifiability. 

What Constitutes a Violation? ** A credit bureau or furnisher would violate the FCRA if they : 1. Reinsert previously deleted information without obtaining certification from the furnisher that the data is accurate and complete. 2. Fail to notify the consumer within five business days of
reinserting the information.

3. Do not properly verify the accuracy of the reinserted information.

4. Fail to maintain a system to prevent unauthorized reinsertion of disputed or inaccurate information.
Product: Debt collection

I recently got a letter from Debt Recovery Solutions LLC saying I have a debt for {$890.00}. 
This debt doesnt belong me I havent done business with this company for me to have a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. LATE PAYMENTS are Transactions and an Experience this is a violation of my consumer right. You must respect my right to PRIVACY.

I am a federally protected consumer which mean I reserve the right to privacy. 

Account Name : XXXXXXXX XXXX XXXXXXXX : XXXX
Product: Credit card or prepaid card

This is in regards to Capital One. I recently made a payment in error and now have a credit balance with them. Thats not really an issue as they will just refund the money. The issue is that they dropped my available credit to {$0.00} even though I have a negative balance. I am unable to use the card now and until they refund my overpayment they have all my cash on top of it.
Product: Debt collection

On XX/XX/year>. I received a letter from XXXX XXXX XXXX XXXX directed to my son XXXX XXXX saying they were attempting to collect a debt on behalf of XXXX XXXX XXXX  for {$100.00}. However, the last statement I received back in XXXX did not show the amount due was going to be sent to a collection 's agency. My son is away in college, and I am the person who pays for all the medical bills and provides for his health insurance. He has no credit history because he just graduated from XXXX  XXXX. How in the world are these people trying to damage my son 's credit when he has not even started one? Why did no one reach out to me to let me know that was the next step? I have been paying this Medical Bills as they come from this provider and many others, but if I am not aware one particular bill is about to go to collections it is not fair or right to put it on an adolescent that has no idea how his parents pay their bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several calls, written several letters and sent this same affidavit to Equifax and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can someone help me?
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES REPORTING ON TRANSUNION WERE NOT AUTHORIZED BY ME. SEVERAL ATTEMPTS HAVE BEEN MADE AND TRANSUNION WILL NOT PROVIDE PROOF OR REMOVE THEM. 

SEE ATTACHED DOCUMENTATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Capital Management Services LP in regards to a XXXX XXXX  XXXX. However ive received a letter about my information being involved in a data breach. This account is not mine and a fraud police report was filed
Product: Credit reporting or other personal consumer reports

Equifax XXXX and XXXX are not complying with fair credit report act guidelines now I have made complaint of these situations and Im not at liberty to keep wasting my time my rights are being violated and what the credit bureaus have done is illegal and upsetting I have made my payments on time on all my accounts and there also is accounts on my credit report that are over XXXX years and it has no right to be on my credit the law is the law and you need to enforce to them that they are breaking it Im not going to repeat my statement i will take full legal action against all responsible because of not abiding by the law these accounts need updated and deleted I will attach my proof now you enforce this matter or I will sue both parties for breaking the law and they are reporting late payments which is not relevant to what it is I can prove I pay all my accounts on time I have had enough of their foolish lies they are to abide by the rules