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

I applied and received a XXXX XXXX on XX/XX/XXXX. There were no problems or difficulties initially. I requested and received a physical card. I made my first purchase with it on XX/XX/XXXX for XXXX dollars. This worked without issue. I attempted to make a large purchase on XX/XX/XXXX for XXXX. This was declined. I called in figuring they needed verification. The first woman I spoke to said my account was in review and they could not verify my information. I escalated to her " Supervisor '' whom repeatedly misgendered me on the phone. When corrected, the " supervisor '' stated and I quote, " Ok Ma'am whatever you want to call yourself. '' That was call one. I then contacted XXXX on XX/XX/XXXX. I was informed by apple support that they would get me in contact with Goldman Sachs to resolve the issue. The agent at Goldman Sachs stated that they can not resolve an issue via inbound call so they would arrange a call back. I never received a callback. Subsequent calls to find out a status have been met with a " Don't Call us We will call you '' that never receives a call. On XX/XX/XXXX I attempted to use the inline support through the XXXX App on the XXXX and received the same " Don't call us we will call you. '' response. I will attach the chat log to this image. 

Thus far the treatment I have received from both XXXX and Goldman Sachs has been abysmal and in Goldman 's case even included some discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has divulged my information without my consent via the recent data breach. This has made my personal identifiable information, including but not limited to my SSN, my date of birth, and my credit card information, essentially public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to XXXX, XXXX and Equifax asking them to provide me with verification of proof of XXXX  # XXXX and XXXX  # XXXX sent up a follow up letter on XX/XX/2021 and they failed to respond validating the reporting of Bankruptcy which is a FDCPA violation because they continued to report the bankruptcy without proof. They ( XXXX/Equi ) responded stating that they " verified '' these both case numbers/bankruptcies through XXXX XXXX and XXXX. 
I contacted XXXX XXXX and XXXX directly and court responded that that they do not share my information with any credit bureaus. XXXX XXXX sent me letter and deleted bankruptcy from their records. 
On XX/XX/2021 I sent XXXX XXXX letter to all XXXX credit bureaus ( XXXXEqui ) and showed them deleted bankruptcy, informing them that if they could not reveal how they truly verified these items then it needs to be deleted according to the FCRA. On XX/XX/2021 I sent notification with intent to file for FCRA violation and they keep responding bankruptcy " verified ''. They have once again refused to delete these items which is imploding on my ability to purchase a home and car and causing me to pay thousands more in interest every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an autoloan that is open and in good standing now reporting closed. At first it was just 1 credit bureau, now its reporting this way to all credit bureaus. I called the credit bureaus and submitted disputes, but it is my loan company reporting incorrectly. I've called 3 times over a month and the bank tells me my account is open, in good standing, and not even late. There was also a comment about on my account about returning to active military, but I'm not even in the military! Noone at the bank can give me a reason as to how or why this is reporting this way, therefore they haven't fixed it. Im looking into getting a mortgage and this is a huge setback!
Product: Mortgage

Wells Fargo kept increasing my mortgage payments when I was on a fixed mortgage. They raised it until I could not pay any longer and got foreclosed on in 2014
Product: Money transfer, virtual currency, or money service

I was allowed to cash eleven ( 11 ) Money Orders each for {$990.00} between XXXX XXXX XXXX, XXXX. All eleven have turned out fake, and now the bank is demanding full payment of the overdrafts on the checking and savings accounts used. Fees and fines are continuing to pile up on top of the overdraft charges. These money orders were part of a secret shopper scam I fell victim to, and were fake. The bank continued to cash these well beyond what funds were available in the accounts, so I assumed they were valid. Otherwise, they would require me to deposit them until they had cleared. The bank scanned them and kept cashing them. If the bank could not tell they were fake, how could I? Why did they not require me to deposit these until they had cleared? Other tellers I have talked to immediately knew this situation for a scam. Why do the tellers at one branch of the same institution receive different training than the others? On XX/XX/XXXX, I noticed a negative balance in my checking account. In tracking down the problem, the fake money orders were discovered. The accounts were frozen. Unfortunately, these were joint accounts with my mother. She is being punished as well. She has already lost her XXXX Social Security Deposit, and has been living in terror for over a month about losing her home equity loan. The original loan was taken out in XXXX, and she has never missed a payment. Her credit is ruined, and she could never get another home loan with payments she can afford on a fixed income. Between XX/XX/XXXX and XX/XX/XXXX I have tried to set up reasonable payment plans. I am actively looking for work, and I am confident I will soon be employed. I have 4 acres of land for sale, and it will sell-but not overnight. Nobody can tell us if my mother will become homeless by losing her loan. Nobody can set up a reasonable payment plan with me, until I can make larger payments. The only advice we get is wait on the recovery team to contact you, while we are getting continuous notices and letters demanding payment in full of outrageous overdraft amounts. When we can't pay in full, more fees and fines are tacked on. Meanwhile, no word from this recovery team. My mother is elderly, and living in fear each day is not good for her physical and mental health. She is convinced she will soon be homeless. I was victim of a scam, and my mother is paying a horrible price. Please work with me on reasonable payments until I can make larger payments. Most of all, PLEASE do not change my mothers home equity loan forcing her into homelessness. Thank you for your time and consideration.
Product: Debt collection

I am disputing a debt with APELLES and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that APELLES has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA.

I am filing this complaint to request assistance from the CFPB in ensuring that APELLES provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Checking or savings account

Capital One has locked my account several times over the course of this year and I have spent hours with them on the phone confirming my identity. 
In XXXX and XXXX, I made payments from this account that were rejected - and I was not contacted that my account had been put on 'hold '. When I learned this, they assured me my account was re-opened. Again in XXXX, I tried to use my ATM card - and it was rejected so I called and my account was on hold again. I called and spent over an hour waiting for a " fraud specialist '' where the re-confirmed the same prior issue that I had already been told was completed. They assured me this was lifted and I again tried to use my card at an ATM and was rejected. After this, I called to close my account - where I then spent 3 hours on XX/XX/XXXX in the phone circle loop. I finally was able to close my account on XX/XX/XXXX - after spending 4 hours on the phone in constant loops and hang ups. Once I started seriously raising my level of irritation, they finally escalated my call. I was then interrogated about my account and harassed - until finally receiving the agreement to close this checking account and two linked savings accounts. I received two checks from my account. When I logged in to check, Capital One is still holding my money in one account. I have now called several times and been in yet another loop to try and close out the closed account. This is a trap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account shown charge off in my credit report and I sent them a validation. They sent me a letter stating what I owe but when I look at my credit report they are reporting 3x the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/2023, XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00}, XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00}, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/2023, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/2023
Product: Mortgage

In XX/XX/XXXX my loan service stated that I would need to show proof of homeowner liability insurance. I provide this proof through my associations master policy which covers the rebuilding of my home interior and exterior. The servicer placed forced coverage inspite of my writting request not to do so. I had no knowledge of what type of coverage was place, what it covered and the cost was not know until XXXX, when they made the same demands again. Cost was over 10X the  cost of a normal H06 policy. 

I have lived at this residence since XXXX. XXXX XXXX was our loan servicer and not once did they require a personal home liability policy. The homeowners association also has never made such a requiremnent. I understand that this practice is illegal in New York State. he cost of the illegal policy was close to {$5000.00}. A normal consumer home liability policy ( of which I recently purchased ) cost less then {$600.00} per year. The placement of the forced insurance has had severe impact on my ability to pay my monthly mortgage. This annual insurance premium was taken out of my escrow monies which placed me in a negative balance.
Product: Debt collection

According to the CFPB all medical debt less than {$500.00} or less than a year old from date opened are to be deleted and not reported on credit report. Opening date was XX/XX/XXXX which is less than a year of todays date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Received a unauthorized inquiry from XXXX XXXX XXXX on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my complaint, police report and identity theft report from the FTC ( Federal Trade Commission ). Today I'm submitting a new complaint specifically because I made an FTC ( Federal Trade Commission ) Identify Theft Report today XX/XX/2021. I've mailed a copy of the identity theft report to XXXX and Experian today along with a copy of my passport and social security card. I had mailed a copy pf the police report last week so I figured I didnt need to re-upload it to this new complaint. I figured it would be efficient to also notify XXXX XXXX XXXX XXXX XXXX ) of my FTC Identify Theft Report. I've attached a copy of my Identity Theft Report to this complaint. There is an account called DEPT OF EDXXXX that is being reported under my name to the credit bureaus and the balance appears to be {$41000.00}. What makes this account very suspicious is that it is being reported as Pay as agreed even though I do not pay this account and I do not even know what it is. This account should be removed from my credit report because that isnt my loan. Also why is it being reported as pay as agreed If I dont pay that account or know what it is?
Product: Credit card

Chase Bank closed all of my Credit Card accounts... XXXX were business cards and XXXX was a personal XXXX XXXX. This concern and issue is on personal Card in which I was assessed a fee, I paid a fee and the Account was closed by the Bank ( no reason given when I called to inquire ). All they said was it is Bank Policy and we can not share any additional details. 

The Bank charged a {$550.00} annual fee for this XXXX XXXX in XX/XX/2023 and XXXX months later closed this account without a reason ... and they kept the full fee! 

How is this right and legal? Open a card, charge a fee, the fee is paid in full by the customer, and then you close the account a few months later and keep the full fee. Sounds like a dishonest business model. 

Can a Bank charge and collect a credit card annual fee and then close the Account a few months later ( with no reason given aside from the fact that they can do whatever they want to ) ... and keep the full annual fee? 

This needs a CFPB review ... and JPMC Chase should be required to process at least a partial refund of card fees paid. My credit card was not delinquent, I had a XXXX balance, and my XXXX score is XXXX. And I never have had a late payment with Chase ( or anyone else ). Ever! 

I have called the Bank several times in good faith... and their team is not helpful in resolving the situation. 

Hence my turn to the CFPB process.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Customer Service, I am writing to address an error in my credit report maintained by TransUnion. Specifically, my credit card account ( Account Number : XXXX XXXX  ) is incorrectly reported with a credit limit of {$0.00}, whereas the actual credit limit is {$5000.00}. 

This discrepancy is adversely affecting my credit score and financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I request that TransUnion promptly correct this error to accurately reflect the {$5000.00} credit limit on my credit report. 

Please confirm when this correction has been made. Your immediate attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX is incorrectly reported with a credit limit of {$0.00}, whereas the actual credit limit is {$5000.00}. 

This discrepancy is adversely affecting my credit score and financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I request that TransUnion promptly correct this error to accurately reflect the {$5000.00} credit limit on my credit report. 

Please confirm when this correction has been made. Your immediate attention to this matter is appreciated.
Product: Debt collection

i dont want your XXXX bank statements. you are bankrupt. send them to the bankruptcy attorneys. XXXX XXXX XXXX leave me alone!
Product: Credit reporting or other personal consumer reports

Debt is XXXX years old should automatically come off my credit report but According to XXXX. XXXX XXXX XXXX code, not licensed to collect debt in Texas.
Product: Credit reporting

Background screening for lease on new house turned up someone else associated with my social scurity number on credit check.
Product: Credit reporting or other personal consumer reports

I filed complaints with TransUnion, XXXX, and XXXX for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below. 

The failure to mark this disputed account as disputed by the company constitutes a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the last activity on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date. 

This business has consistently done nothing to further verify this collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been receiving pre-approved letters from Capital one Auto Financing they have been pulling my credit report without my permission they have put 17 hard inquiries on my credit report I am in the process of purchasing a home now it has been delayed because of the inquiries this is a continuing problem this has happened more than one time I have called to complain to them and they are still doing it I need this to stop or I won't be able to purchase my home please help me
Product: Credit reporting or other personal consumer reports

I am trying to dispute an invalid collection on my account by XXXX XXXX XXXX. I first submitted the dispute a few months ago, and my dispute was automatically closed without any proper research. I submitted it again online directly through Transunion, and this time I provided a letter from the collector confirming they had removed the debt. I noticed the status said : " Delivery by postal mail. '' I chatted with a customer service agent through live chat and was told the dispute was canceled. This is not what I see on my end, and they offered to submit it again.
Product: Vehicle loan or lease

According to 15 USC 1666- 1666 J, The signer and cosigner / creator/ beneficiary are filing a billing error on the account listed in the attached documents. Mazda financial Services has treated me and the signer with extreme prejudice, and violated my rights as a consumer from the very beginning of the contract by not giving full disclosure on the terms and method of the creation of the commercial contract in question. Both the co signer and signers signatures were transmitted from what was really signed and a name that is not the name of either the signer or cosigner was placed underneath the contract that is a variation of either a deceased person or a fictions person. A offer according to UCC 3-603/3-311 was sent for accord and satisfaction with a conspicuous statement which stated in short, that upon redeeming the tender of payment the claim would be paid in full. Mazda Financial Services redeemed it, ( Documents are attached ). So After this Mazda Financial services sends a letter threatening the signer and cosigner to repossess the vehicle in question which has caused mental anguish, fear, and panic attacks for the signer and cosigner, which is illegal according to 15 USC 1692 ( d ), ( 2 ), 15 USC 1692 c, ( a ). This is only a few violations in short that Mazda Financial Services has done to violate our rights as a consumer with more violations to be addressed in the near future. Also all documents enclosed were also mailed to Mazda Financial services in addition to being attached to this complaint.
Product: Credit card or prepaid card

Fraudulent late fee that resulted from Citi Cards ( Citibank , N.A . ), deactivating the auto pay. Late Fee, XX/XX/XXXX, {$15.00}. 

I called Customer Service yesterday, XX/XX/XXXX, ( XXXX ), spoke to " XXXX '' who stated the Citibank " Automated System deactivated the auto pay on XX/XX/XXXX. " ( conversation recorded ). 

Same exact fraudulent activity Citibank committed with my wife 's card, Complaint XXXX. It is apparent Citibank is establishing a pattern of corporate fraud and theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to attach letter I have written to XXXX  on XX/XX/XXXX in regarding in the letter written to them. 

Also in trying to communicate with any of the big three : XXXX, Trans-Union and XXXX  are very difficult to get in contact with be it by phone ( they don't answer the phone as a rule ), or by mail, as they don't like to reply even if you send them certified mail. 

They could really care less about the general public, and have been given the green light to slander and defame anyone they chose with NO accountability to anyone. 

If you do go through what ever to try to correct or to update your file as they have it, they will insist you spend hundreds of dollars again and again to join whatever service they might have, to correct what they have published that is incorrect. 

LIKE IT WAS MY FAULT THAT THEY ARE PUBLISHING INCORRECT ITEMS.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX dollars was withdrawn from my checking account, this withdrawal was not done by me or my mother that is also on the account. I went to a bank branch that was closest to my residence to find out what was taking place. I was given a phone number to report the incident, which was done on XX/XX/XXXX and a temporary credit of {$700.00} was given to me and a investigation was started. On XX/XX/XXXX my claim was denied and the XXXX XXXX dollars was taken back out of my account. I did not receive any information on why it was denied, I called the fraud department which was not very helpful at all. I requested that the claim was reopened because there is a mistake, it was reopened on XX/XX/XXXX and got denied on XX/XX/XXXX. I have only received one letter in the mail stating the an ID was used from someone that is on the account and was not reported stolen. I have been going back and forth with Bank Of America for months and have not gotten anywhere! 
Claim # XXXX