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

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days late in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a company by the name of XXXX XXXX, if do not recognize this information as a creditor and nothing can be found with that exact spelling. Please help. Thank you
Product: Debt collection

Today XX/XX/2018 I got an alert from XXXX   Credit Bureau that Radius Global Solution posted a derogatory account to my credit file for an amount of {$64.00}. 

I have never received any written or verbal communications from this company informing me of the debt or was I given the opportunity to negate/agree of the validity of the debt.
Product: Money transfer, virtual currency, or money service

I borrowed a loan of {$10000.00} from my bank. Sent {$11000.00} to the account on Gemini on XX/XX/XXXX from my chase bank account. I was promised by XXXX that the funds would be released soon. 

However to this day the same has not happened. 

I have called them 42 times and spent hours from my end to resolve the issue. I have also contacted them thru " email. Every time it's one thing or another. Asking for endless details without any resolution. 

I was disillusioned and converted the XXXX back to US Dollars and got it transferred back to my bank account. However, I got only {$10000.00}, a loss of {$780.00} without achieving anything. They are really playing with our money with no intention of allowing any transfers. In the meantime however, they are making money duping customers. {$800.00} is hard earned money and it's not their right to cheat. 

Emails have not been answered. When called customer service, they say they can not report the issue and we have to send email to support. When I did that, they took long time and replied back to send a new request. Sent a new request and few days went by nothing happened. Then I threatened to contact CFPB and they replied back asking me 8 questions. I replied back the same day. Now today I have received another email asking for more information and they will follow up!!!. This is after I have already withdrawn the money. 

Shows that they have no intention on helping at all. The replies are a eye wash to cover themselves to show they were working when they had no intention to resolve anything at all. 

In the mean time the customer support number ( XXXX ) XXXX stopped working. The new number that provided me was a magicjack number ( XXXX ) XXXX. This also doesn't work always. When it worked, they wanted access to my computer to fix the issue!!!. I am not willing to provide that access to my computer and have them steal my info and money. That's when I decided to try to get money back. 

It worked however a loss of time and money and missed crucial investment opportunity. Close to {$800.00} in cash lost, paying interest to the bank in the mean time. Lost opportunity to invest. This particular opportunity would have netted me a minimum of {$7000.00}. All in all my losses amount to {$7800.00} + Bank interest.
Product: Mortgage

In XX/XX/2010, years after having XXXX, my XXXX again, forcing me out of work. Seeing a potential problem on the horizon, I contacted my lender, XXXX, to get into the HARP program. I filled out the required documents, and met the requirements for HARP. I spoke to the bank rep that worked with HARP/HAMP. He asked me " are you having problems making your mortgage payments? '' I replied that things were tight, and that is why I wanted to refinance the mortgage and equity loans. 
Unknowingly, I was put into the HAMP program, and was told to make reduced payments for a trial period. I did this, not knowing any better. About five months later, I get a package in the mail, stating we had been accepted into the program, and our mortgage payment would be about {$120.00} lower then the original monthly payment, and the loan would be extended for 40 years. That would have me making payments until I was XXXX years old, and the XXXX was more then I was paying during the trial period, and would be swallowed up with the next property tax and insurance increase. I opted out of the program. By this time I had been notified that this was HAMP not HARP, and because I was making reduced payments, I now had a history of late payments and was then, no longer eligible for HARP.
Product: Checking or savings account

Between XXXX and XXXX I have had over draft fees applied to my account.
Product: Credit card or prepaid card

I have a government card from Bank of America that was distributed to me for unemployment unemployment is asking for the account and routing number when I go to the website of Bank of America XXXX XXXX  it does not show any unemployed any account or routing number I called them and they don't see it on their end is it a possibility that you can email me the account and routing number so I can finish unemployment please my email is XXXX. 
Card number is:XXXX
Product: Credit card or prepaid card

On XX/XX/2020, while traveling oversea in XXXX, I got pickpocketed and lost my Chase Sapphire Reserve card. {$2600.00} was immediately spend on my account and luckily I discovered the fraud and reported the card was stolen the same night. Without any question from Chases dispute department, the amount {$2600.00} was removed from the statement and I was sent a new card. 

Fast forward to XX/XX/2020, I saw the previous disputed fraud charge {$2600.00} reappeared on my account without any notifications ( ie. mail, email, phone call ). I logged onto the Chase site and tried to dispute it on the site but it says I have to call XXXX to complete the dispute. 

I called the number and Chases dispute service responded this dispute is not within their responsibility, I need to reach XXXX. The fraud recovery department no longer accepts phone call and email is the only way during this time. So far I have emailed XXXX twice and still no response from them. On top of that, I have called Chases credit card customer service and dispute department on average once a day, total 4 times. They all told me the same response. Theres nothing they can do without fraud recovery department but the fraud recovery department has not responded to me at all. 

Im very frustrated on this how Chase Sapphire Reserve treats their customer. No alert and no notification to just put the fraud charge back on the bank statement. At the same time, Chase 's fraud recovery department makes it impossible to reach for help. 

Im willing to do anything to help Chase fraud recovery department to work on disputing this charge but they are making it impossible to reach and to get help from.
Product: Credit card

On XXXX/XXXX/2016 I was trying to pay for an XXXX purchase via XXXX using my American Express card that is registered to my XXXX account. I received XXXX error messages saying that the card was declined. I contacted American Express via their on-line chat system and was given the number of their fraud department, which I immediately called. I spoke to an American Express fraud representative and he confirmed that my card was blocked because of " suspicious activity '' the purchase I was trying to make was in XXXX XXXX. I confirmed that I had made the attempt to pay and that it was not fraudulent. The AmEx representative indicated he would unblock my card and I would be able to proceed with my purchase. 
I tried to pay for the purchase again twice, and continued to receive the declined message. I called AmEx back and talked to a representative who said that my account had been blocked with a fraudulent charge and that my card had been cancelled and that they were sending me a new card. I informed her that a mistake had been made, I did not want this card processed, and that I needed to have my current card reactivated. She said she would forward me back to the fraud department. Although I had called the fraud department at XXXX, I 'm assuming she did not want to deal with me as I waited almost 10 minutes throug various " please hold '' and music, and kept hearing number tones between each XXXX, until finally I was told be a recording that my call did not go through. 

I called back the fraud line and the last person I talked to confirmed that my card had indeed been cancelled. I explicitly said that I wanted to be transferred to the Office of the President so that I could file a formal complaint. However, this person instead must have pretended to forward me and then my call was disconnected. 

I am now in a position where I have promised to pay for goods in XXXX and American Express has prevented me from doing so in a timely manner that causes me harm to my reputation on XXXX as well as harm to my relationship with the individuals and business I have agreed to purchase items from. 

I 'm not sure how American Express is treating their customer service people, but there appears to be a complete lack of compliance when it comes to following the rules and regulations for filing complaints that could cause severe under-reporting to the CFPB. 

While I am glad that American Express is protecting me from fraud, I am very unhappy with how I 've been treated and their blatant disregard for the rules and regulations of the XXXX. I would like American Express to revalidate my card as soon as possible. 

I am requesting that this be published so that others know that if a company refuses to let you file a formal complaint with them, you can come to the CFPB website and file it.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Checking or savings account

On XX/XX/2024 my accounts were frozen. When I went to the bank to find out why they closed they told me they could not give me that information and that I would have to wait five business days to receive the money from my three checking accounts, I called on Tuesday to file a hard case and they said it would take five days to receive a check from the money in my bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I got a scam pretending to be paypal customer service and they got me to send them {$1900.00} via chase XXXX. 

They told me this was going to be a dummy transaction and they would reject it on their end and it was just for verification of my identity. They asked me to install XXXX app so they can control my phone. And then they asked me to opened the chase app and send via XXXX  to their manager and comforted me I will not lose the money. After I did that, they continued to ask me to deposit money to XXXX. All along the process they rushed me and kept me on the phone saying that they will refund me money as long as I followed. 

I realized this is a scam after hanging on the phone. I immediately checked the XXXX  transaction is still pending, so I called XXXX to cancel it and get my money back. XXXX representative helped me submitted my claim, but I still havent got it back. I was told a few days later that this transaction is done by me so they couldnt get it back. 

This is ridiculous and unreasonable. I already contacted them right after the scam, and they offered no protection on their XXXX  transaction in their app, and there is no monitoring for risky actions like this phone is controlled by XXXX. I need {$1900.00} to pay my rental fee and food this month. I wanted my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

my entire credit report is and full ERROR. because identity theft Disputing for years. and nothing has been done.
Product: Credit reporting or other personal consumer reports

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 didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX  accurate.
Product: Credit reporting, credit repair services, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It 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 of crime with antedates the report by more than seven years. 

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

XXXX is refusing to put a freeze on my credit report! And XXXX is missing my credit report by put malicious malice vicious slander and intimidation! I asked for a freeze I was denied and XXXX continue putting untrue information on my credit report concerning COMMUNITY LOANS SERVICING THIS COMPANY IS NOT MY MORTGAGE HOLDER! Please remove the fraudulent slander from my credit report immediately! Cease and desist reporting fraud! And again REMOVE CHAPTER XXXX bankruptcy! I DID NOT FILE DISMISSED BECAUSE THERE WAS NO MEETING OF THE CREDITORS! I was granted FREEDOM IN THE NAME OF XXXX XXXX IN THE NAME OF XXXX XXXX YOU ARE COMMITTING A CRIME CALLED FRAUD! Cease and desist fraudulent report immediately! 
XXXX EXPERIAN XXXX ARE REPORTING USDA 2 times ISDA IS NOT A MORTGAGE LOAN CEASE AND DESIST FRAUDULENT REPORT! This LOAN IS FRAUDULENT PLEASE CEASE DESIST FRAUDULENT REPORT! USDA AGREED TO REMOVE THIS FROM MY CREDIT REPORT! STOP REPORTING USDA 2 times this is fraud USDA LOAN IS NOT LABELED A MORTGAGE LOAN YOU ARE VIOLATING MY RIGHT OF RATES REPORTING FRAUDULENT! 
I am forgiven of all debt in the name OF XXXX XXXX IN THE MIGHTY NSME OF XXXX XXXX DTOP THIS SLANDER AND ABUSE AND INTIMIDATION IS A CRIME! STOP!
Product: Credit reporting or other personal consumer reports

I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Identity Theft!
Product: Debt collection

XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX  It was placed for collection and I did not receive any letters from the collection agency. It was sent to Southwest XXXX Services in XX/XX/XXXX.
Product: Debt collection

the law office of Michael J. Scott filed motions in court in a small claims case, where another attorney was involved in suing me. Michael J. Scott has a different bond number that that of the attorney suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/XXXX until XX/XX/XXXX I have sent three letters to Transunion, XXXX and XXXX and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant Account -- >
Product: Debt collection

I contacted online collections of XXXX on XX/XX/2018 via written letter requesting VALIDATION of a debt in the amount of {$560.00}. They prompted responded with a letter saying the date has been paid and my credit would reflect that. This is not proper VALIDATION under the terms of the FCRA. I am asking the company to supply a valid contract/lease with my signature on it validating it. This collection has caused great impact on my credit and it doesn't even belong to me.
Product: Vehicle loan or lease

This was a car loan that was taken out by me and miss XXXX XXXX and she turn the car in and when they sold the car they never try to reachout to her and only went after me in the process and when I asked for verification of debt the paperwork was not the original paperwork it was a whole different company and then they did not want to fix it and they have been garnishing my pay check for the last at least 2 years with no real proof
Product: Credit reporting

There is an address and a XXXX XXXX on my Experian Credit Report that are not mine. XXXX XXXX XXXX, XXXX, XXXX XXXX is the address of my second wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX, She is remarried again, new last name unknown. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, I believe to be the address of my first wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX. 

The female I spoke with a Experian at XXXX at XXXX XXXX, XXXX XXXX XXXX, said the address was on a notice sent to them by a bill collector. The bill occurred during our divorce and was incurred by my second wife without my knowledge. My point to the Experian representative was that I have never lived at, vacationed at, leased, purchased property at nor used as an accommodation address this location. These facts being true, how can it be listed as XXXX my addresses? The situation of the XXXX. XXXX is exactly the same. Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX for FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally file a complaint against XXXX, EXPERIAN, and XXXX for their ongoing delay tactics and failure to take responsibility for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated attempts to resolve my concerns regarding the inaccuracies within my credit report, I have experienced significant distress due to the lack of accountability from these agencies. The credit bureaus have engaged in incessant postal correspondence requesting identifying information, citing an inability to locate my credit file. This is particularly frustrating as I have consistently provided the same information through both online platforms and over the phone, which they acknowledged without any resolution. 

Furthermore, it is essential to clarify that my disputes are not related to issues of identity fraud, but rather stem from abusive tactics and what I perceive as gross negligence in handling my credit information. The lack of timely and appropriate responses, combined with the continued use of delay tactics, has caused me significant harm. 

If these issues are not addressed promptly, I will consider seeking further action to protect my rights under federal law. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters urgently and take appropriate action against these agencies for their violations. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, [ XXXX XXXX ]