23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Beneficial can not read or understand ENGLISH! I am making a complaint against them for a mistake they made in XXXX XXXX. That 's XXXX XXXX. DO YOU UNDERSTAND THAT THE YEAR IN QUESTION IS XXXX?? NOT NOT NOT XXXX. Beneficial DID own this mortgage loan in XXXX XXXX. They have stolen our money. Here is my complaint and possibly you can locate someone at Beneficial that can actually read and understand English. And make sure they understand that the theft by Beneficial happened in XXXX XXXX NOT XXXX. They did hold the mortgage in XXXX XXXX. BENEFICIAL IS THE RESPONSIBLE PARTY!!! 
Beneficial applied two monthly payments XX/XX/XXXX to XX/XX/XXXX. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, XXXX they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, XXXX after completing another reconciliation they told the NYS Attorney General 's Office that our account was up to date. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of {$1700.00}. On XXXX XXXX, XXXX they sold our mortgage to XXXX XXXX Loans. Not only did they not tell XXXX that we were paid through XX/XX/XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand English. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand English and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY. 
This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the southern division of NYS.
Product: Credit card

I am writing to formally dispute the legitimacy of an account reported under my name and held with your institution. Upon further review, I have identified substantial violations of the Truth in Lending Act ( TILA ), which require immediate rectification. The findings indicate that the account in question is fraudulent, as the fundamental obligations for clear and transparent disclosures under TILA were not fulfilled. Specifically, AMEX failed to provide the following mandatory disclosures as required by federal law under TILA : 1.Inadequate Disclosure of Terms and Conditions : The agreement associated with this account did not include complete and accurate details regarding the loans terms, including interest rates, fees, repayment schedule, and penalties. These omissions left me without a clear understanding of the financial obligations tied to this account.

2.Failure to Ensure Full Understanding and Authorization : The application process and subsequent agreement were executed without verifying my consent or ensuring my comprehension of the financial terms. There is no evidence that I authorized the opening of this account.

3.Non-Compliance with Initial Disclosure Requirements : TILA mandates that lenders provide borrowers with all required disclosures before consummation of the agreement. The absence of these disclosures violates my rights and renders the account illegitimate. 

Given these significant violations, I assert that this account is fraudulent. I demand immediate action to resolve this matter and restore my financial integrity. 

Requested Actions : Immediate Investigation : Conduct a thorough review of the account to verify its authenticity and identify where compliance with TILA failed.

Account Closure and Removal : Acknowledge that the account is fraudulent and take immediate steps to close it. Ensure all references to this account are removed from your systems and any third-party reporting agencies, such as credit bureaus.

Written Confirmation of Resolution : Provide me with a written acknowledgment that the account has been deemed invalid, along with confirmation that no further claims or liabilities will be associated with this fraudulent account. 

To assist in your investigation, I have enclosed copies of relevant documentation, including my government-issued ID and a FTC report attesting to the fraudulent nature of the account.

AMEX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the bankruptcy information that is currently being reported on my credit file. After reviewing my credit reports, I contacted the three major credit bureausExperian, TransUnion, and Equifaxrequesting the removal of the bankruptcy information, as I believe it was inaccurately reported.

Despite my request, the credit bureaus refused to remove the bankruptcy entry from my report. In light of this, I took the matter into my own hands and reached out directly to the bankruptcy court. I requested confirmation from them that they did not provide my bankruptcy information to the credit bureaus. The bankruptcy court confirmed that they did not report any such information to Experian, TransUnion, or Equifax.

Given this confirmation from the bankruptcy court, I am seeking your immediate attention to the incorrect information currently on my credit file. The credit bureaus are obligated to ensure that the data they report is accurate, and since the bankruptcy court did not furnish this information to you, I believe it should be removed from my report. 

Please investigate this matter promptly and correct my credit report as necessary. I would appreciate confirmation of the actions taken. 

Thank you for your time and cooperation in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXXCitibank NA , has violated my rights.

15 USC 1681 Section 604 State i have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also States a consumer reporting agency can not furnish an account without my writing instruction.

15 USC 1666 : A creditor may no treat a payment on a credit account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are applying for a home equity loan. XX/XX/XXXX Property Report shows judgement on XX/XX/XXXX Capital One Bank {$800.00} in my name XXXX XXXX. 
We filed Chapter XXXX bankruptcy XX/XX/XXXX Listed on the final report and account is Capital One Bank ( secured ) Our case  was completed on XX/XX/XXXX. 
We received a plan completion report on XX/XX/XXXX stating that the Trustee has received enough money to pay ALL claims to the fullest extent required by the confirmed plan and other orders of the court. 
I called Capital One bank explaining this to them, asking for a letter of release, proof of paid, something ... .anything so that we can file it and also give a copy to our loan officer. They informed me that no accounts with my SSN were in their records so they asked me to go through this huge long process with their Credit Dispute Dept. 
Send a letter backed by documents which will take up to 30 days to process then 14 more days to receive a letter of their decision. 
Please Help!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint on my own behalf and there is no third-party involved. 

Credito Real USA formerly known as AFS is reporting late payments on a customer credit transaction on my credit report which are false. in fact, Credito Real USA is in direct violation of federal law 15 USC 1666b. It states that " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' This Account has been under an open end credit plan since XXXX Credito Real Has Been Using false and Deceptive tactics to collect money from until I was aware of my federal rights. now They will no longer receive money from me and they are now damaging my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My {$150.00} annual fee was charged on XX/XX/year>, and shortly after Capital One closed my account. I requested the annual fee to be removed but they are refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Inaccurate Account ( XXXX XXXX XXXX XXXX XXXX  ) To Whom it May Concern, I reached out to Equifax on XX/XX/2023, for the second time to dispute the inaccurate account showing up on my public records. However, they have not responded back or labeled my dispute in dispute status on my consumer report. They receive my dispute on XX/XX/2023, and how I know is because I sent the letter certified. 

This account is inaccurate and does not belong to me. According to the FCRA if you Do Not respond within 30days the account has to be removed. 

Equifax needs to remove XXXX XXXX XXXX XXXX XXXX  off my credit report its reporting inaccurate information that does not belong to me. Its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Transunion Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX Account Number : XXXX Please remove it from my credit report 4. Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Product: Checking or savings account

My financial institution Chime just recently denied my dispute claim I created on XX/XX/2024 ; for Unauthorized transactions taken Fraudulently from my checking account. Chime denied my dispute claim instantly on XX/XX/2024. The details for the claim are as follows. Account Number Ending In : XXXX ; Claim ID : XXXX ; Dispute Type : Debit - Unauthorized Transaction ; Date Error Reported : XXXX ; Claim Amount : {$1200.00}. While the claim was being investigated, I took it upon my self to contact the merchants XXXX XXXX  XXXX XXXX. I have gotten no response from XXXX XXXX XXXX XXXX gave the impression they would assist me within this issue and then two days later state that they have locked and closed the fraudulent account, also they DO NOT process refunds on XX/XX/2024 at XXXX XXXX via email.
Product: Credit card or prepaid card

Our family has a Bank of America XXXX XXXX visa card with an associated annual fee. One of the purported benefits of the card is that when it is used for travel on the airline baggage fees are waived. We attempted to resolve a baggage claim fee charged to us at the airport automated kiosk with customer service staff and they told us to resolve it later via their toll free number so that we could make it to our flight. In person, staff reassured us that we could resolve the situation later. We called the toll-free number today and were informed that the {$50.00} baggage charge would remain because we did not use the appropriate card with the appropriate reservation. 

Feels like a fradulent perk of this card. We would like to dispute this charge and the customer service around this issue was terrible!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX creditor has violated my rights. 
10 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc, ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App ( Block , Inc ) failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore this dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The accounts listed below are fraudulent and were opened without my consent or knowledge causing these accounts to be reporting inaccurate and I demand these inaccurate accounts be DELETED from my credit report immediately XXXX XXXX XXXX XXXX XXXX ) : Identity Theft XXXX XXXX  XXXX XXXX XXXX ) : Identity Theft XXXX XXXX- ( XXXX ) -Identity Theft XXXX XXXX- ( XXXX ) -Identity Theft XXXXXXXX XXXX XXXX- ( XXXX ) : XXXX Theft XXXX XXXX XXXX- ( XXXX ) identity Theft
Product: Credit card or prepaid card

On XX/XX/XXXX my chase card account # XXXX was breeched through Amazon, who contacted Chase and my card was replaced twice with # XXXX then # XXXX due to a additional Back Door hack again from Amazon both Chase and Amazon had credited me for {$1600.00} and Amazon replied that the fraud was caught and it wouldn't be posted to my account either as a charge or cancelation then on XX/XX/XXXX the charge was added back to my Chase Credit Card account and when I questioned your recovery team they replied that amazon said that there had been a delivery to my address for the purchase of this laptop Amazon denies this and my account records was sent to the chase recovery Team in the XXXX who was very disrespectful to me as I tried to address my account problem, and feel that now on XX/XX/XXXX with a reoccurrence of unusual activity again through Amazon in which I had legitimate proof that someone had a Backdoor through Amazon and accessed my Chase Credit information in which Chase & Amazon try to hide. Which is why I filed a second complaint with the XXXX XXXX XXXX, now I'm being blocked from accessing my account or making payments in which I feel that I'm being singled out and harassed because of my filing this second legitimate XXXX Complaint this past month of XX/XX/XXXX. Someone from Chase did Call me a week or two after I filed my first OCC complaint and asked if I was the Person who had the chase Account and filed the OCC Federal Complaint and when I replied yes immediately hung up and ended the conversation, and up to today I'm still being blocked by Chase online card services, who is keeping me from accessing or paying my account, I asked your agency to help chase have locked my account again after it was open for 3 weeks now I believe I understand what is happening here chase is trying to force an auto payment from my Bank and I don't want this done they are not sending me any paper bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and reviewed my credit reports from all 3 credit bureaus. I found that all 3 credit bureaus are reporting my car loan balance to be incorrect. I contacted my loan company and we both verified what the correct balance should be. I disputed the inaccurate information twice and twice the credit bureaus are not updating my consumer credit reports with the correct information. 

All 3 credit bureaus are reporting that my XXXX XXXX balance is {$27000.00}. I contacted XXXX XXXX by phone and the representative and I agree that the balance on my account is {$27000.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter related to unauthorized inquiries on my credit report. On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I received notifications of inquiries initiated by auto loan providers, despite being pre-approved for respective financing arrangements.
Product: Mortgage

In XXXX, my mortgage company increased my mortgage payment for 36 months to cover an escrow arrears. 12 months later ( XXXX ), another escrow analysis was done ; my payments were adjusted, I paid ever dime they told me I needed to pay. 12 months after that ( XXXX ), another analysis was done, my payments were adjusted, I paid every dime of the increased amount. 

Here it is XXXX, and my escrow shortage was reported to be {$2000.00} ( it was {$5000.00} in XXXX )! 

All I'm asking now is to spread my extra payments over 36 months, not 12.
Product: Debt collection

XXXX XXXX {$6900.00} DYNAMIC RECOVERY SOLUT XXXX {$1400.00} DYNAMIC RECOVERY SOLUT XXXX {$880.00} XXXX XXXX XXXX {$1000.00}
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. 
XXXX. XXXX XXXX, Account number : XXXX. 
XXXX. XXXX XXXX XXXX, Account XXXX. 
XXXX. XXXX XXXXXXXX, Account number : XXXX, XXXX. XXXX  XXXXXXXX XXXX, Account number : XXXX XXXX. XXXX XXXX, Account number : XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX. Account number : XXXX. 
XXXX. XXXX XXXX XXXXXXXX XXXX Account # 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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

provide me with the signed contract authorizing you to report your private personal information to a third party., you are in violation of 15 USC 1581 section 1666b as well, it states creditors ( financial institution in this case ) cant treat payments as late for any reason unless you notify me that Im about to be late 21 days BEFORE your my due date, which you havent done remove all lates now.
Product: Prepaid card

I've tried to call XXXX XXXX for less XXXX hours no response they put you on a call back and don't call back I don't know what's going on something seems amiss I got a hold of somebody XXXX XXXX XXXX XXXX and they said since my card number didn't go through on their system I had to go back and start over again after I've already waited for almost 45 minutes she was very rude and I don't know what else to do to solve this issue they will not call me back they will not answer the phones thank you
Product: Debt collection

Hello, my name is XXXX XXXX I am contacting the CFPB to help resolve and identity theft account that was open in my name in another state. In which, I have never lived in the state my entire life. I have an account hat was open in the state of Colorado. The address is XXXX XXXX XXXX XXXX, XXXX, CO XXXX in which I have never lied at this address. I filled out an identity theft affidavit with XXXX already informing them that the account they have on my credit report and with the ERC is not mine. After contacting the collection company Enhanced Recovery Company LLC by phone and mail the collection company provided me with the contract. I hired a consumer investigation company to investigate the fraud and have it removed from my credit report. I will provide the affidavit XXXX got back in touch with me asking for information I provided proof of residences with my driver 's license. I like to also, inform ERC, XXXX, and the CFPB that at the time the account was open I already had XXXX in XXXX, Texas. I open my XXXX account on XX/XX/XXXX and closed it on XX/XX/XXXX. There is no way I could have open two cable companies ' accounts. XXXX can be contacted at XXXX. The address where the account was open is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am going to provide all the documents I shared with XXXX, the collection company response with my contract, and my proof of residency at the time from XXXX XXXX. I tried to upload the proof of residency to XXXX but their online system is not working I kept getting an error message.
Product: Credit card or prepaid card

My credit report had unauthorised hard inquired on it that should be removed