23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase sold my loan to a terrible servicer called XXXX, who has a XXXX with the XXXX. I do not approve of lenders being able to sell our loans without our consent. Congress needs to pass regulations that give the consumer more control and with all that has happened with the bail outs, etc., there should be more advantages for the consumer. I do not approve of moving to a half rate company who has XXXX positive review on the XXXX site, not to mention all the other sites that have hundreds and hundreds of complaints about the operations. It is time for a banking revolution in this country and the people need to wake up and kick these folks out who ca n't do good business. We should be able to penalize banks who do these things and take control of the systems we have allowed to be created under our names.
Product: Credit card or prepaid card

Citibank closed my Platinum AAdvantage account ending in XXXX in the month of XX/XX/XXXX, and did not refund me for the unused annual fee of {$99.00} which was billed on XX/XX/XXXX. I have called multiple times, as well as have a record of the customer service chats where customer service agent XXXX advised on XX/XX/XXXX that the credit would be applied on the statement closing on XX/XX/XXXX, and I also have a chat record with agent XXXX on XX/XX/XXXX who advised she could not issue a credit, but to call a specific number and a supervisor " will be happy to help you in this. '' I called the specified phone number, spoke with agent XXXX  ( employee ID XXXX ), who advised she could not/would not waive the fee, even though I continued to explain the account was closed/there is no reason to charge me the annual fee. She advised her supervisor XXXX ( would not provide me an employee ID/number ), also advised they would not waive the fee. I am simply requesting credit for an annual fee on a closed account, I'm not asking for credit toward on an annual fee that is an active account. If further documentation is needed please let me know, as I have records of the customer service chat ( s ) where I was advised I would be credited back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I disputed a public record ( tax lien ) that I received letters from the state that they lien was paid and told to forward said letter to the CRAs for withdrawal from my credit report. Instead, I received a letter saying that it would not be removed. In addition to the letter, another lien that never existed populated onto my credit report.
Product: Debt collection

XXXX filed this judgment on behalf of Portfolio Recovery. Accoriding to the FCRA 605. 
Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

2. Portfolio Recovery Asso. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired XXXX, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 
3. I was in my native country overseas when the judgment was filed, I therefore could not have been properly served. for the court appearance. 
4. For Portfolio Recovery has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure Portfolio Recovery the Credit Bureaus and XXXX are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. 
Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] We ask that the CPFB remind Portfolio Recovery and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Checking or savings account

I have several accounts with the Chase Bank, personal and business, one of those accounts was a Savings Account that will help to cover over payments from the personal checking account and that will help to minimize the overdraft charges on the transactions, the bank stipulate that customer is allowed to 5 free of charge overdraft transactions from savings account to checking accounts, so that was the reason that I opened the savings account. Every month, the bank transfer from my savings account whatever was need it to cover the overdraft expenses from my checking account and if for some reason I use this service more that 5 times a month, the bank charge a fee for each transaction over the first 5 's.  At certain time the bank decide to " change the savings account to the checking account classification '', that way that specific account can't cover the overdraft fees because is not a savings account anymore. I complaint to the customer representative on the phone a couple of times and they really don't care and didn't do nothing about this matter to me. Because that reason, since XX/XX/20 I have paid over about {$600.00} on overdraft charges because the change of my saving account status to checking account without my authorization. That's costing me money!!!
Product: Debt collection

This collections agency has called several times and hung up. I have been in contact with the collections agency and scheduled payments, but they still call and hang up. I 've asked them to make a note on my account that my payments have been scheduled via EFT but they continue to call, and when I answer, they hang up.
Product: Debt collection

Account Resolution Services has place a negative item on my credit report ( s ) they are attempting to collect on an alleged debt in the amount of {$1000.00} a medical bill that I have no knowledge of. The original creditor is : ( XXXX XXXX XXXX XXXX ) I DID NOT RECIEVE A WRITTEN NOTICE ABOUT THIS DEBT and was never a patient at the above mentioned medical facility. Nor was I contacted by phone or email regarding my rights to dispute this alleged debt or to request validation of this debt which are my rights as a consumer pursuant to the FCRA and the FDCPA. 

They may also be in violation of the HIPAA guidelines regarding 3rd party medical information. This agency took it upon themselves to just place this information on my reports without due process. Which is why I pray that CFPB will investigate this matter, and this agencies illegal collection practices. I am very distressed about this especially with the impact of Covid-19 and this item has placed harm to my good clean credit rating
Product: Checking or savings account

The agent did what he could to help me then referred to his supervisor then nothing
Product: Credit reporting

Collection company has stated they have asked all Credit reporting agencies to remove the debt, but it is still being reflected on Equifax. See below quoted text from XXXX XXXX. 
" Company responded - XXXX XXXX XXXX said : Explanation of closure XXXX # XXXX - To Whom It May Concern : XXXX XXXX XXXX sent a second request to the CRA 's to delete the account from XXXX XXXX 's credit history ''
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYSTEM has furnished data to XXXX and XXXX that violate my consumer rights. This action was done without my authorization per 15 U.S. Code 6802. Also the data being furnished is appearing as a charge off which is considered a certificate of indebtedness. Income can not be reported on a consumer report per 15 U.S. Code 1681.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> aXXXX XXXX XXXX my phone was stolen and compromised. They changed the email and phone number related to my XXXX XXXX and accessed all my accounts through my apps on the stolen device ( XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year> at XXXXXXXX XXXX, a fraudulent debit card was allowed to be linked to my Robinhood account to withdraw my funds. I did not authorize this card to be linked to my account and they did not verify my identity or that this card was mine. On XX/XX/year> and XX/XX/year> Robinhood allowed XXXX different orders " to sell '' on all my investments. On XX/XX/year> an instant transfer of {$540.00} was completed and transferred to the fraudulent debit card. On XX/XX/year> {$720.00} an instant transfer of {$720.00} was completed and transferred to the fraudulent debit card. I have offered several times to provide a copy of the police report. I have contacted Robinhood several times. Each time I have had to continue the conversation via email upload my valid ID and take a selfie so they can verify my identity. However, they allowed a fraudulent debit card to be linked to my account and withdraw funds without verification of identity. I have requested several times that my funds be returned and they do not want to return my funds. They are NOT taking the safety of their clients into account. There should be the same safety measures taken for the withdrawal of funds as there is to have a conversation with a representative. Robinhood is not willing to take any responsibility for the lack of security measures in place to withdraw funds.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute I filed regarding a 30-day late payment that has been inaccurately reported on my credit report. The dispute was submitted on XX/XX/2024, and, to date, I have not received satisfactory proof that the late payment was accurately reported.

I am requesting the following information as it pertains to the resolution of my dispute : The name of the person who conducted the initial investigation for my dispute dated XX/XX/2024. 
All documentation, records, and proof used in the investigation and verification of the reported late payment. This includes any communication between the creditor and the credit bureau that substantiates the reported information.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureau to conduct a reasonable investigation and provide all relevant information used to verify the accuracy of the reporting.

Please note the following consumer rights that apply to my dispute : Section 611 of the FCRA ( 15 U.S. Code 1681i ) - This section outlines my right to dispute inaccurate information and your obligation to perform a reasonable reinvestigation within 30 days of receiving the dispute. It also requires that I be provided with the results of the investigation, including all supporting evidence.

Section 609 of the FCRA ( 15 U.S. Code 1681g ) - I have the right to request all information that you have in your file regarding the disputed account, including the identity of anyone who has accessed my credit report and any documents you used to validate the disputed information.

Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ) - Creditors are prohibited from reporting inaccurate information to the credit bureaus. They must also investigate disputes and provide accurate updates to credit bureaus if their reporting is found to be incorrect.

I respectfully request that you provide me with the requested information and documents as soon as possible. If you fail to provide sufficient evidence supporting the accuracy of the 30-day late payment, I expect the incorrect information to be removed from my credit report immediately.

Thank you for your prompt attention to this matter. Please provide all requested materials in writing within the timeframes outlined by law.
Product: Debt collection

My daughter, age XXXX, brought me her phone after returning home from school. She said " somebody wants to talk to mommy '' It was a very unprofessional woman asking for personal information. I instructed my wife to not give any information to the woman and end the call. The woman abruptly ended the call and called by 15 seconds later ( for the 5th time in the same day ) - I instructed my wife to give me the phone and I attempted to get her name and employee number. She refused to give me her name and employee number. I asked to speak to her manager, at the agents advice, but Again was rebuffed. She literally said " I can see your intelligence '' after repeating my demands several times. She abruptly ended the call once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

I Called Experian XXXX And XXXX XXXX trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have 3 accounts 2 with XXXX XXXX and 1 with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Defendants have been reporting derogatory and inaccurate statements and information relating to Consumer and Consumers credit history to third parties ( hereafter the inaccurate information ). The inaccurate information includes, but is not limited to, accounts with XXXX, CCS and personal identifying information.

Despite Consumers efforts, Defendants, have never : a ) contacted the Consumer to follow up on, verify and/or elicit more specific information about Consumers disputes ; b ) contacted any third parties that would have relevant information concerning Consumers disputes ; c ) forwarded any relevant information concerning Consumers disputes to the entities originally furnishing the inaccurate information ; d ) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information ; and e ) performed any handwriting analysis. 

Defendants Experian willfully and negligently violated the FCRA, 15 U.S.C. 1681i by failing to perform a reasonable re-investigation into Plaintiffs disputes, failing to forward all relevant information to the furnish-er, parroting the furnish-er, and failing to notify Plaintiff of the results of the disputes. 

Defendants XXXX and CCS willfully and negligently violated 15 U.S.C. 1681s-2 ( b ) by failing to perform a reasonable investigation into Plaintiff disputes, which would have included reviewing and considering that XXXX and CCS did not have Plaintiffs signature on any documents, that XXXX and CCS had illegally reported accounts in Plaintiffs name without his knowledge or consent and that Plaintiff had multiple direct conversations with Defendants XXXX and CCS about this fraud.
Product: Mortgage

Hello, in XX/XX/XXXX I experienced a XXXX XXXX XXXX called XXXX XXXX. this caused me to be XXXX for most of XXXX which of course impaired my ability to work. I have now recovered and Im doing better and have also recovered my income by running out of my XXXX bedrooms and my daughter who lives with me, XXXX XXXX quit her XXXX XXXXn and took on a full-time job to help me. I am now able To pay payment.
Product: Checking or savings account

This is an addendum to COMPLAINT XXXX as I forgot to attach important pieces of information. 

Appreciatively, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian is not properly verifying my account. I have tried to dispute with them numerous of time, but I am not receiving anything that is validating the debt listed on my credit report.
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 {$5500.00}, {$6900.00}, {$8000.00}, {$10000.00}.

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 ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Money transfers

I bought an item on ebay but after my purchase I saw that the information given by the seller was inadequate. I discovered that the item bought can not be used in XXXX. I immediately cancelled the purchase and the seller agreed. In spite of that agreement, the product was delivered to my address in the XXXX. I was unable to resolve this issue with the seller ( who wants me to pay for the transportation costs ) so I requested my money back from paypal. Paypal is not willing to do that.
Product: Checking or savings account

XXXX  XX/XX/2022 I was charged {$110.00} and the description states transfer to other. I was never notified that this charge would automatically be taken by any certain date. I do not have auto pay setup.
Product: Checking or savings account

someone scam me out of XXXX say she can flip and give me XXXX for that and then said that she need my XXXX acct and then asked for more money i have called chime they said that they cant do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.