23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Was never notified of fraudulent charges. Opened statement a couple of months ago and had over {$20000.00} worth of fraudulent charges. They removed most of the charges except for XXXX which amount to about {$9000.00}. I called them at least 5 to 6 times. Every time they have assured me they would take care of it. I have talked to every department I could think of including the fraud and securities division. I have asked them every time I have called and they say they will take the charges off and they haven't. I have paid exactly what charges are mine and haven't used the card. Today they called looking for payment and then hung up on me after I requested the fraud department. I have sent letters and they have not acknowledged any letter I have written them, they just call to collect money. I pay off my credit card balance every month and have for many years. I have received written correspondence that there is an investigation going on. I believe the 3rd letter closed the investigation stating I did not answer their questions. That letter came with my statement, still carrying that balance, just days after last speaking to the fraud and securities department. They are still trying to collect this balance that I do not owe. It was an out of state construction company.
Product: Credit card

Capital One : Opened : XXXX Balance : {$680.00} Capital One : Opened : XXXX Balance : {$490.00} Requested Photo I.D . and Signature For Contract But Company Refused To Provide. 
FCRA Law 609
Product: Debt collection

In XX/XX/XXXX, a woman named XXXX XXXX defaulted on her lease with an apartment community called XXXX XXXX. On XX/XX/XXXX, the apartment community sent the lease with her name, a copy of her drivers license, and all other pertinent information to a collection company called Hunter Warfield. Sometime in XX/XX/XXXX, Hunter Warfield contacted me, XXXX XXXX, telling me I owed money to this property. I told them that I had never lived at this property in XXXX XXXX, and they attempted to gather more information from me. I told them to find the woman named XXXX XXXX who was on the lease they kept mentioning, as my name has legally been XXXX since XX/XX/XXXX. 

Apparently they searched XXXX XXXX for anyone whose name matched this womans, and my name was formerly XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

I went to the apartment community, XXXX XXXX at XXXX XXXX, who sent this womans lease into collection. They showed me her lease and drivers license picture. I showed them my ID, although unneeded, as they had never met me before. The manager assured me she would call XXXX XXXX to clear up the matter. 

At some point, unbeknownst to me, XXXX XXXX placed this debt on MY credit, committing identity fraud against me. I called them this month, in XX/XX/XXXX, asking them to remove this debt from my credit. They did not want to release any information to me, as they could not pull up this womans file using my social, my drivers license number, or even my legal name. I told them because they had ruined my ability to lease a short-term apartment while I sell the home I have owned since XX/XX/XXXX, they needed to provide me with information. 

All they had was my cell phone number, which they found on XXXX XXXX. They first refused to take it off my credit, claiming they had never placed it on my credit. It was on XXXX  and XXXX, both of whom I have reported this debt to as fraud as of XX/XX/XXXX. As of today, it is cleared off XXXX, and XXXX states it will be off TransUnion by XX/XX/XXXX. However, also as of today, Hunter Warfield is again trying to contact me concerning this womans debt. 

From my conversation with Hunter Warfield, they have sent me a piece of paper asking me to file a report against this woman, XXXX XXXX ; however, she did nothing wrong. She did not steal my identity, and she did not commit fraud against me. Hunter Warfield did, and apparently will continue to do so even after I send them the documentation, as they are texting me links about this debt even today ( XX/XX/XXXX ). 

The account number they have for XXXX XXXX is XXXX. Their creditor account (? ) is XXXX. The balance XXXX XXXX ( I thought I remembered it being XXXX XXXX, so they may have changed her last name to match my maiden name on XXXX XXXX ) is {$870.00}. The company Hunter Warfield is collecting from is XXXX XXXX. 

Hunter Warfields mailing address is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Their phone number is XXXX. 

I am attaching the letter of resolution from Hunter Warfield, the two bureaus, XXXX   and XXXX, that were reported from my XXXX account, as well as the dispute results from  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX. A creditor ( XXXX XXXX XXXX ) is still  showing on my report 5 years later. Ive contacted them as soon as the bankruptcy was finalized. I faxed them the discharge letter and e-mailed it to them. But its still showing. 
On XX/XX/XXXX my bankruptcy attorneys sent an e-mail, a fax along as did I and its still showing on my report even though this was discharged as part of my bankruptcy Please help
Product: Payday loan, title loan, personal loan, or advance loan

Beginning in XX/XX/XXXX, there were discrepancies between the " Next Payment Date '' as stated on the app and the date on which the payment was being pulled from my account. A payment was refunded in or around XXXX, and, in XXXX, the app stated my Next Payment Date was XX/XX/XXXX ( See screenshot dated XX/XX/XXXX ) but then a payment was pulled on XX/XX/XXXX ( See screenshot dated XX/XX/XXXX ). When I called the company on XX/XX/XXXX ( XXXX ), I was given the option to have the payment applied to payments due or have the payment refunded. I opted to have the payment refunded, and XXXX said the refund would appear in my account in XXXX business days. On the XXXX business day ( XX/XX/XXXX ), I called the company again and ask to XXXX and then XXXX. XXXX said there would be no refund because the company didn't pull a payment in XXXX. I said that it was illegal to tell a consumer XXXX thing and do something different to the detriment of the consumer. There were XXXX misrepresentations : ( XXXX ) the " Next Payment Date, '' and ( XXXX ) being told there would be a refund. I asked how, if ever, I was going to be informed of the decision NOT to give me a refund. I was given a vague answer. XXXX, on behalf of the company, refused to remedy the errors, which he didn't dispute.
Product: Checking or savings account

XXXX XXXX dollar check was seized because Bank said it looked fraudulent. And funds were pulled from my account in the amoubt of that check. Wells Fargo literally took XXXX dollars from me over that. I've had multiple overdraft fees when I have overdraft protection. I've been charged for purchases they said was overdrafted because funds were in the account when they were. Monthly charges and overdraft fees, money literally being stolen out of my account. Constantly having to change cards because wells Fargo thinks fraudulent actions were taken. XXXX, the bank themselves. All this took place in between XXXX and XXXX. Wells Fargo banking being the crooks
Product: Mortgage

I requested for XXXX to release the two Deed of Trust recorded against my property. The record indicated that there are two recorded Deed of Trust on my property. I have contacted XXXX more than one month ago and approximately eight ( 8 ) other times since, but XXXX has refused to provide any information as to how or what I need to do to have XXXX release the two liens or Deed of Trust that was recorded on my property. I am in the process of refinancing my home to a conventional loan and my interest rate is locked in until XX/XX/2021. However, I can not complete the refinance process because XXXX will no provide me with any information about how to release the liens or release the two Deeds of Trust recorded against my property. XXXX has transferred me to multiple departments that have no information regarding the two Deeds of Trust. I have even provided them with the two recorded Deeds of Trust information. 
XXXX purchased the loan from XXXX XXXX XXXX and now own the rights of the loan. I looked up XXXX XXXX XXXX and was redirected to " XXXXXXXX XXXX XXXXXXXX '' website. I called XXXXXXXX XXXX XXXXXXXX, and then was redirected back to XXXX. Before I was redirected, XXXX XXXX XXXX told me that XXXX is now running XXXX XXXX XXXX . However, no one at XXXX can find the two two liens or deed of trust. XXXX keeps promising me that they will resolve it in 2 days, but nothing has been resolved.
Product: Debt collection

On XXXX XXXX, XXXX, I received an alert through my XXXX credit monitoring app that Accelerated Financial Solutions had placed a new account on my credit report. This account says it was opened on XXXX XXXX, XXXX with XXXX, which is not true. This is an account that has been previously disputed by me, and it does not belong to me. It was removed from my credit report approximately a year ago but has now reappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Td bank!! Why did you stop reporting my credit card payment to XXXX? Since XX/XX/2021 you have not reported my credit card payment. I have made all my payments on time and I deserve credit for that! Update my payment history!!
Product: Money transfer, virtual currency, or money service

I was charged me undisclosed {$10.00} for a incoming international wire transfer dated XX/XX/2018. This is the second time I was charged an hidden fee by chase. Last time it happened on XX/XX/XXXX. I had contacted them without resolution. I had to file a complaint with CFPB ( XXXX ). One explanation I was given by chase customer representatives were the fee was charged by sending bank. This is a lie because 1. The sending bank is in XXXX, they charge any fee, it would be in RMB not us dollar. 2. {$10.00} is no where near what the fee sending bank charged ( about XXXX RMB ). Chase executive office response was that I'm responsible for fee but not telling me what fee item this {$10.00} was for. As premier Chase account holder, Chase charges {$0.00} fee for incoming international wire. So please tell me what fee item this is for and how it is calculated.
Product: Mortgage

This complaint is for a home equity line of credit ( HELOC ) with Specialized Loan Servicing ( part of the XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

XX/XX/XXXX : I received a payoff quote of {$120.00}. There was no previous balance due on the account, and the payoff amount was for fees to release the lien. 

XX/XX/XXXX : I submitted a letter to SLS requesting that they freeze my account to so that I may pay the payoff amount and close the account. I submitted this letter per instructions from an SLS rep. 

XX/XX/XXXX : I paid {$120.00} per the payoff quote. 

XX/XX/XXXX : I received an email confirmation from SLS that my payment had been applied to my account. 

XX/XX/XXXX : I called XXXXLS to request that my payment be applied to my account and for the account to be closed. I was told that the payment would be applied within a few days and that by XX/XX/XXXX I should receive a letter from SLS that the lien has been released and account closed. 

XX/XX/XXXX : SLS generated the monthly account statement on this date and the {$120.00} payment is still unapplied. 

XX/XX/XXXX : I did not receive a letter from SLS about releasing the lien and closing the account. 

XX/XX/XXXX : I have still not received a letter from SLS about releasing the lien and closing the account. I called SLS to ask about the status of closing the account. I was told that I needed to submit a letter requesting the account to be closed and a copy of my drivers license. I was not told this information when I requested the payoff quote or when I called SLS in XX/XX/XXXX. The SLS rep said she would escalate my complaint to a supervisor who would call me back to also tell me that I need to submit a letter requesting the account to be closed and a copy of my drivers license. 

I believe the company is intentionally not closing the account and changing the requirements to close the account in order to keep the account open as long as possible and stop from losing a customer.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM Experian.
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 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 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 crimes which antedates the report by more than seven 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 card or prepaid card

I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, Chase immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 
I was on the phone with Chase throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that Chase never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now Chase is paid off but I have a XXXX credit score? This is not right at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX  XXXX XXXXBalance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

Consumer Dispute Letter to CFPB Regarding Jefferson Capital XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX Iowa XXXX XXXX : Dispute of Debt Collection Attempt by Jefferson Capital LLC Dear CFPB, This letter serves as a formal complaint against Jefferson Capital LLC regarding their attempt to collect a debt I allegedly owe. I am disputing all debts they are trying to collect from me. 
Dispute of Debt I am disputing any and all claims that I owe a debt to Jefferson Capital LLC. I request debt validation as outlined in the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) XXXX XXXX XXXX XXXX XXXX This includes a clear breakdown of the debt, the original creditor, and the date the debt was allegedly incurred. 
Documentation Request To further investigate this matter, I request the following documentation from Jefferson Capital LLC : A copy of the original purchase agreement between myself and the original creditor. 
Proof that Jefferson Capital LLC is a bonded and licensed debt collector in my state. 
Communication Revocation I am revoking all consent for Jefferson Capital LLC to communicate with me via phone calls, text messages, or emails except to confirm receipt of this letter and to validate the debt, as required by the FDCPA. All future communication must be done in writing and sent to the address listed above. 
Potential Violations It has come to my attention that Jefferson Capital LLC may have violated the FDCPA in the following ways : Failing to provide debt validation information within the required timeframe XXXX XXXX XXXX XXXX XXXX 
Placing a collection on my credit report without giving me the opportunity to dispute it ( XXXX XXXX XXXXXXXX ). 
Engaging in false, misleading, or deceptive practices. 
Furnishing inaccurate information to credit reporting agencies. 
I believe Jefferson Capital LLC 's actions violate the FDCPA Sections 807 ( b ), 809 ( a ) ( 4 ), and 806 XXXX XXXX XXXX XXXX XXXX 
Request for Investigation I urge the CFPB to investigate these potential violations by Jefferson Capital LLC and take appropriate action to ensure they comply with the FDCPA. I request that you contact me with any updates or require further information from me. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Louisiana XXXX XXXX
Product: Payday loan, title loan, or personal loan

When I applied for my loan, my monthly payment was to be {$68.00}. My payments haven been taken out every two weeks so I have have been paying twice that. 

I didn't realize until a few months of paying that Upstart had been debiting my account twice a month instead of monthly. I pulled up an old email just to ensure I was not mistaken and it clearly says my " monthly payment of {$68.00} is due on the XXXX ''. 

Lastly, my account center now says that my monthly payment is {$130.00}, which is not correct. The only conclusion I can make is that my payment arrangement that I originally agreed to was doubled without my consent.
Product: Debt collection

HARRIS AND HARRIS CONTACTED ME SEVERAL TIMES IN REGARDS TO A DEBT THAT THEY SAY I OWE XXXX. I EXPLAINED TO THEM SEVERAL TIMES THAT I NEVER OPENED AN ACCOUNT IN MARYLAND WITH XXXX BECAUSE I LIVE IN OHIO. I TOLD THEM THAT I WAS A VICTIM OF IDENTITY THEFT AND SOMEONE OPENED AN ACCOUNT WITH WITH MY INFORMATION WITHOUT MY AUTHORIZATION. I FILED A IDENTITY THEFT REPORT AS WELL THAT IS INCLUDED WITH THIS REPORT.
Product: Money transfer, virtual currency, or money service

Dear XXXX, I had received the XXXX copy from our client to make fund transfer to our XXXX BANK XXXX XXXX XXXX to buy our Rice on behalf of company in the XXXX Country XXXX XXXX in amount of US {>= $1,000,000}. but until now I did not receive this amount in our bank from MUFG Union Bank, U.S.A. In this transaction I think that is fraud and I also sent email to bank for confirm but non reply.
Product: Checking or savings account

Was notified on XX/XX/2022 I was locked out of my navy federal bank account without notice I then went into a branch I properly identified myself and was told it would take 10 business day to resolve this matter here it is XX/XX/2022 my case hasnt even been touch after being told by multiple representatives is was in progress I need my medication I have bills to pay and this is causing me to have a lot of missed and late payment due to no access of my account I have tried to resolve this issue on multiple occasions nothing has be resolved no one has answers or no one has reach out nor sent any documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the ongoing and unresolved inaccuracies on my credit report. Despite multiple attempts to correct the late open accounts that are erroneously being reported, these inaccuracies continue to adversely affect my creditworthiness and financial standing.

To provide context, I first identified the presence of late open accounts on my credit report. Since then, I have diligently followed the prescribed procedures to dispute and rectify these inaccuracies, including providing supporting documentation and evidence of the inaccuracies.

The following actions were taken in my attempt to address this issue : I promptly contacted your agency and filed a dispute regarding the late open accounts. I provided all necessary documentation to support my claim, including proof of timely payments and communication with the creditors in question.

After not receiving a resolution or update on my dispute, I followed up on the status of my case, during which I was informed that the investigation was still ongoing.

Subsequently, I filed additional disputes, each time reiterating my concerns and providing any supplementary evidence requested.

I have made numerous attempts to contact your agency 's customer service department via phone and email to inquire about the status of my dispute, without receiving a satisfactory response.

Despite my extensive efforts to rectify this matter, the late open accounts remain on my credit report, inaccurately reflecting my credit history and negatively impacting my financial prospects.

I understand the importance of accurate credit reporting, and I believe that your agency has a responsibility to ensure the correctness and integrity of the information in my credit file. As such, I respectfully request the following : A thorough and expedited reexamination of the late open accounts on my credit report.

Immediate correction of the inaccuracies by removing the late open accounts from my credit report.

A detailed written response outlining the results of the investigation and the actions taken to rectify my credit report.

Assurance that measures will be implemented to prevent future occurrences of such inaccuracies.

I expect a swift and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be satisfactorily addressed, I may be compelled to pursue legal remedies to resolve this matter. I am asking for your help to correct the following accounts : XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$440.00}.