23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, My name is XXXX XXXX XXXX. I kept recieving phone calls from a debt collection company named Halsted Financial Services based out of the address XXXX XXXX XXXX XXXX Il. My dad and I have close names. I am XXXX XXXX XXXX and my father is XXXX XXXX XXXX. This debt collecter kept calling so i answered to see who it was. When I answered they never explained who they where or from they just asked is XXXX therre. I told them yes because that is my name. These people then never had me verifiy who I truly was and started giving me personal information from my dad like is SSN address and birthday. Then they started to tell me the debt that was owed. I stopped them and told them they had the wrong XXXX as this was my dad that they wanted to talk to and that they broke federal law by never verifying who i was except my first name. This is wrong in so many waysand needs to be addressed asif I was a complete stranger, they would have given my dads personal information out to them as thre are thousands of XXXX in this world. I do not know how they got my phone number either as the number they called me on is a new number I have not had long. This needs to be addressed and stopped. They keep caling my number even after I told them they have the wronge XXXX. 

Halsted Financial Services XXXX XXXX XXXX XXXX, Il XXXX ( XXXX ) XXXX Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$3100.00} from my XXXX account to a friend with account in JP Morgan Chase bank using XXXX. 
Due to the word XXXX in the transaction notes, Chase froze the funds and report it to the Office of Foreign Assets Control ( OFAC ). For several months we worked with OFAC until they issue a letter on XX/XX/XXXX, addressed to XXXX XXXX, Global Santions Dr. at JP Morgan Chase Bank, authorizing JP Morgan Chase bank to release the funds to the originator or originating financial institution. 
For more than a year now, I have worked with both, JP Morgan Chase bank and XXXX XXXXXXXX XXXX local branches, trying to recover the frozen funds without success. I also sent emails and certified letter to XXXX XXXX without any reply or response. 
This is our last effort to recover our money before filing a Small Claims Court case. 
I have suffered from the lack of knowledge and procedures on both institutions, XXXX and Chase local branches, on how to address this type of issues and help their customers. 
Hoping for the best.
Product: Credit card

On XX/XX/2023, I called Citi to report fraud on my credit card. They had sent me messages about potential charges which I was able to catch before they went through. I mentioned on this date by way of phone as well that although they caught most of the fraud charges HOWEVER XXXX total charges for {XXXX for " XXXX XXXX XXXX XXXXXXXX XXXX  '' ( so XXXX total ) were pending. They said " don't worry about it, it will drop off ''. On XX/XX/XXXX I called to let them know that these charges did NOT drop off but posted. They started a fraud dispute. 

On XX/XX/XXXX, Citi requested I sign XXXX sheets of paper which I sent back by way of email to XXXX on XX/XX/XXXX for the XXXX charges. See attached for the exact XXXX sheets of paper i sent back. ( This likely confused Citi because they stupidly asked for the same EXACT paper to be signed twice with the same exact dispute number which was XXXX, don't you think since it was XXXX transactions I would need to sign XXXX different pieces of paper with different numbers? ). 

On XX/XX/XXXX, I took a screenshot of the dispute portal because it switched to " Thanks for sending us more info '' for XXXX fraud charge, while for the other fraud charge still stated " We need more info ''. See screenshot XXXX! 

Thinking that was weird, that XXXX charge moved to " Thanks for sending us more info '' and the other didn't, I resent the XXXX sheets of paper a XXXX time on XX/XX/XXXX. 

Today XX/XX/XXXX, I noticed that Citi reversed the fraud credit for XXXX fraudulent charges while issuing a credit for the other one. On XX/XX/XXXX I called with an attempt to get this resolved and was transferred at LEAST XXXX  times with no direct success. As of today there is still a reversed XXXX  bill on my XXXX  card ( the other credit for the other charge was successful ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to lift an existing credit freeze with Transunion both online ( daily since XX/XX/2023 ) and via the automated phone service ( XX/XX/2023 - 4 times ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 - 3 times ). I either get an error message on the website ( " service temporarily unavailable '' ) or an error on the automated phone service ( " request can not be completed at this time '' ). I've tried to lift the freeze by speaking to customer service representatives, who request full SSNs and my PIN every time. I am not comfortable giving that information to a person when I have already verified it in the phone system prior to reaching a customer service representative. I have also been hung up on multiple times, lied to about when the automated systems will be online again, and was refused transfer to a manager or someone who can speak knowledgeably about the technical issues their site and phone system are experiencing.
Product: Credit reporting or other personal consumer reports

My information was sold and bough illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attchaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
* XXXX XXXX XXXX XXXX Bank {$650.00} *Midland XXXX XXXX XXXX XXXX Bank {$640.00} XXXX Funding XXXX XXXX XXXX bank XXXX XXXX {$510.00} *Merchants Acceptance {$470.00} * Capital XXXX {$840.00} * Macys/Citibank N.A {$1100.00} XXXX XXXX {$760.00} *Capital XXXX {$470.00} * Capital XXXX {$470.00} *One Main {$20000.00} * XXXX XXXX XXXX {$5000.00}
Product: Debt collection

Ad Astra Recovery is reporting a fraudulent account to XXXX, XXXX, and XXXX. I have called repeatedly to report this fraud account and they have refused to remove the collection and stop reporting it. Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my TransUnion credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law. 

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my TransUnion credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower. 
Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts. 
Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information. 
Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports. 

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages. 

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect TransUnion to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments. 

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws. 

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter. 
Thank you for addressing this matter with the urgency it deserves. I trust TransUnion will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi my name is XXXX XXXX, The card number ending in XXXX XXXX was use on my XXXX account, On XX/XX/XXXX I identified that my card statement have been fraudulent and have a lots of XXXX XXXX charges that i did not purchase, I file a report to chase immediately, i also have XXXX XXXX XXXX card on file, i report to both card company and also report to XXXX and XXXX close my account after knowing the activity. 
The amount that was fraud with chase was for about {$50000.00}, and for XXXX XXXX XXXX was about {$17000.00}, XXXX XXXX XXXXXXXX and Chase both return the money back, however in few week, Chase reverse the decision and reverse all the charges back to my card, i contact chase asking why, they just informed me they need to investigate the case and it may take them up to 90 days, that was XXXX first week XXXX, I wait day by day, there was no phone call no email or letter from chase, I was charge {$8700.00} interest charge as well during this period of time while waiting for them, I reach out to them end of XXXX, and was told to wait again while they investigate the case, I call back end of XXXX was rest assure to wait and they will take care of me, I been calling back every other week to check, was always told to wait for a resolution while they are still investigate and they promise they will take care of my issue, finally after i start calling every Friday, and ask for a supervisor, they informed me on XX/XX/XXXX the decision is they will not honor the claim and we are responsible to pay for all the fraud charges. I have in between the time provide all the information they needed, and i'm upset it took them almost 8 month to finally come to a decision and charge me almost {$800.00} interest a month and they told me every month those interest rate will be credit back to me once the claim is resolved. I want chase to remove the fraud charges and also credit me back all the interest rate they charge me on my account. thank you again for helping me.
Product: Debt collection

The company includes XXXX  and CREDIT MANAGEMENT, I was living in XXXX XXXX XXXX mi with XXXX  services. I called many times to complain about internet not working on area after a few months I canceled my internet due to lack of connectivity the XXXX  representative wouldnt even work with me but was extremely rude and she said theres nothing that I can do its just going to go to collections I said why would I pay for service that I can not use? she said that is not my problem. I mailed back XXXX  and didnt get any notice after that of me owing. Until it was in my credit report. Also if you look at the months from the time I started service and the first collections date is inaccurate how would I go into collections the month after I had service turned on? As for credit management the amount of phone calls and the way they speak to people is wrong you can not shame me into paying for something I do not owe
Product: Credit card or prepaid card

I filed for XXXX XXXX XXXX protection and I was approved for discharge of my debts. One company SoFi XXXX XXXX has continued to send harassing letters threatening to send me to collection if I don't pay them but they were included in my discharge. I have sent this information to my bankruptcy attorney who has told SoFi to cease contacting me and they have not. Today XX/XX/XXXX I received another letter demanding over {$1000.00} but my bankruptcy was approved on XX/XX/2022. SoFi is ignoring consumer protection programs and is a constant stress on my mind.
Product: Credit card

I HAVE XXXXCHASE CREDIT CARD AND ON XXXX/XXXX/XXXX I NOTICED AN UNAUTHORIZED CHARGE ON MY ACCOUNT FOR XXXX AT THAT TIME I CONTACTED CHASE TO HAVE THE CHARGE REMOVED WHICH THEY DID .THEN I RECEIVE MY STATEMENT FOR XXXX/XXXX/XXXX AND I NOTICE A CREDIT FOR XXXX SO I CONTACT CHASE CUSTOMER SERVICE ON XXXX/XXXX/XXXX AT XXXX AM AND I EXPLAIN THAT I HAVE A CREDIT THAT DOES NOT BELONG TO ME AND I WOULD LIKE IT REMOVED. THE CUSTOMER SERVICE REP TOLD ME THERE WAS NOTHING HE COULD DO AND THAT IT WAS AN ERROR BY XXXX AND THAT I WAS ENTITLED TO KEEP IT SO I SAID TO HIM THAT DOES NOT SOUND RIGHT HE SAID TO ME TO CONSIDER IT AN EARLY XXXX PRESENT FROM XXXX. I SAID TO HIM I AM NOT GOING TO ORDER ANYTHING MORE FROM XXXX SO HE TOLD ME THAT HE WOULD SEND ME A CHECK FOR XXXX ON MY XXXX/XXXX/XXXX STATEMENT I SEE THAT THE CREDIT IS REMOVED. NOW ON MY XXXX/XXXX/XXXX STATEMENT THERE IS A REBILL FOR XXXX SO I CALLED CUSTOMER SERVICE ON XXXX/XXXX/XXXX AND THEY SAID THERE IS NOTHING THEY COULD DO TO HELP ME .I ASKED THEM TO LISTEN TO THE RECORDING OF THE CALL ON XXXX/XXXX/XXXX THEY SAID THEY WOULD GET BACK TO ME AT A LATER DATE THE CHECK HAS ALREADY BEEN SPENT I DO NOT THINK IT IS RIGHT FOR CHASE TO TRY TO COLLECT ON THIS PAYMENT BECAUSE XXXX OF ITS EMPLOYEES TOLD ME I COULD KEEP IT.
Product: Credit card

Another problem with Capital One Credit Card Division. 
I ordered services from a company XXXX. 
This company deals with, XXXX, a credit card processing company. 
Capital One internal fraud division put this account and another of my account on lockdown for a very stupid reason. 

" My credit card is not used frequently for Capital One 's standard '' is the excuse the fraud department told me on XX/XX/XXXX at XXXX. 

I alternate my credit cards so I do not overspend or go above my limit. 
I am XXXX and ill and have limited income and use my credit card for usual expenditures and large expenditures when needed. 
Capital One makes money from from interest charges, yearly fees and a rare late payment ALSO makes money from certain insurance policies premiums. 
Capital One cancelled this transaction without notifing me and also XXXX ( who is awaiting payment approval ). 
This is the SECOND TIME Capital One Fraud Department did this to me. 
The other time was in XX/XX/XXXX and Capital One was totally ignorant and could not find their records on the conversation by telephone and e-mail'So Capital One refused that payment to an apparel company in XXXX. 
Capital One customer service agents, in the Fraud Department are extremely poorly trained because they can not use their computers to find supporting documents OR Capital One illegally deletes those supporting documents. 
I am afraid if I use my credit cards for a large purchase, the purchase will not go through and I will not received the item ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Transunion dropped my credit score down XXXX points for no reason at all. No changes were noted in my report no late payments etc. I went from XXXX to XXXX over night. XXXX also dropped my score down XXXX points on XXXX XXXX 2022. Again with no explanation or noted adverse changes. My score went from a XXXX to XXXX. I dont understand how my scores could change so much with no late payments repos evictions collections or anything.
Product: Debt collection

I informed the company to stop and decease the constant calling they start from XXXX till XXXX. 
My history in my phone only goes back to XX/XX/XXXX all the way through till XX/XX/XXXX. I do have them blocked but they somehow get through to my voicemail.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies and incorrect information reporting
Product: Money transfer, virtual currency, or money service

**BEWARE** VENMO Has horrible customer service!!!!! 

Venmo requested I forward my DL for verification, I have sent in the requested documents and now Its under review I have {$100.00} I can not access and considering I am living in a hotel right now if I dont get this money I will be on the street with a newborn. THE AGENTS ARE USLESS! They arent willing to help you and they refuse to go above and beyond for a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- -My name is XXXX XXXX , the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX  needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!
Product: Debt collection

I was extended a credit account by Citibank to purchase furniture at XXXX ; however the 1st issue arose when the credit slip they presented to me for signature did not match the terms they agreed to give of 0 % financing for 18 months. I started to sign the slip only getting as far as the A-L of my 1st name and then told the sales rep I did not feel comfortable signing it and wanted confirmation in writing from Citibank that the terms promised would be honored. Well needless to say the 1st letter I received from Citibank stated the terms were under review and I would be notified of their decision within two billing cycles. At this point I felt I was being mislead and told XXXX to cancel my order. I sent a dispute to XXXX and Citibank to request a refund. XXXX gave me back my money, but Citibank is still attempting to hold me responsible for merchandise I DO NOT HAVE and more importantly did NOT authorize be charged. 

The results of there 1st investigation simply stated XXXX does not allow cancellations or refunds???? So I requested they re- investigate because 1. I did NOT sign the credit authorization AND 2. Never received any merchandise for XXXX Lastly, I have been receiving statements stating I am required to make payments although the entire balance is under dispute AND I have yet to receive a response since I faxed the documents to them on XX/XX/2018. That is over 60 days!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Mortgage

My name is XXXX XXXX, contact number XXXX ( M ) or XXXX ( O ). 
I get an equity loan from Regions bank with an amount of {$110000.00}, funded on XXXX/XXXX/2016 ,@4.25 % rate for 15 years, monthly payment sets at {$850.00}. I determined to pay off in 5 years and signed agreement to pay {$2000.00} each month, effective in XX/XX/XXXX ( deduct is expected to be effective on XXXX/XXXX/2016 ). I opened checking account and funded with direct deposit to cover monthly auto deduct for paying my monthly dues. Payment kicks in from XX/XX/XXXX 2016, so I made extra payment of amount of {$1200.00} ( plus {$850.00} which suppose to be deducted for 15 years ) to become {$2000.00} for XX/XX/XXXX payment. 

Regions already set up auto deduct XX/XX/XXXX of {$2000.00} by mistake, this problem is already solved. Then I expect XX/XX/XXXX payment should be auto deducted. I have {$4100.00} in my checking account as of today. However, auto deduct did not become effective in XX/XX/XXXX. I made so many calls reporting this, but problem is not solved. Regions is so arrogant in handling this case by demanding me to start auto deduct in XX/XX/XXXX, I DO NOT agree. It is a trap. 

By delaying monthly payment will lead my to pay more interests, I already set funds aside for paying my dues ; and bank breaks the agreement first and refuse to correct it. This could be a practice leading customer to pay more interests by showing a " nice '' delay to good customers. 

CFPB should investigate such wrongdoing inside Regions bank. If I do n't stop them today, by delaying one month, I will end up paying much more of interests. I already spent so many times on this issue, I expect bank to have a solution or settlement with me. Here I report this to CFPB and like CFPB allows me to ask for pausing payment until an action is taken. Meanwhile, I will make monthly payment, not to let my account to become default.