23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Consumer XXXX entered into a consumer credit transaction with JP Morgan Chase Auto Finance via automotive dealer XXXX XXXX XXXX on the evening of XXXX XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 states that a finance charge is the sum of all charges in a consumer transaction. The finance charge is not supposed to include cash, but XXXX XXXX XXXX in fact insisted that I put a " down payment '' on vehicle, originally asking for {$6000.00} cash for the vehicle, but changed this due to the sales rep stating I would only have to put {$3000.00} cash down, before discussing with the finance manager. XXXX XXXX XXXX took {$3000.00} cash from me on behalf of JP Morgan Chase Auto Finance. Also, the finance charge is supposed to include auto insurance, but XXXX XXXX XXXX made me purchase insurance separately. There was no list shown or given during this consumer credit transaction. Furthermore, After learning I was violated as a Federally Protected Consumer under multiple FDCPA laws, on XX/XX/XXXX I had an Affidavit of Truth, Affidavit of Notary Presentment, Invoice and Exhibits from Contract, notarized and sent to JP Morgan 's registered agent XXXX XXXX of XXXX Texas via certified mail on XXXX XX/XX/XXXX citing the violations against a Federally Protected Consumer in which they know they violated. JP Morgan first Registered Agent mailing address was in a warehouse in which no one signed for the certified mail and was returned to my home. I then took picture of the returned mail, and resent it via certified mail on XXXX XX/XX/XXXX to registered agent Chase Auto Finance, XXXX  XXXX  XXXX  in XXXX texas in which it was signed and delivered XX/XX/XXXX. It has been over 45 days and I have not heard back from JP Morgan Chase Auto Finance. I would like a reply to the delay and remedy due to the violations
Product: Debt collection

XXXX XXXX XXXX XXXX continues to call and harass me about a debt owed by my ex-wife, XXXX XXXX ( XXXX ) XXXX. We have been legally divorced for 17 years and I have no contact with her. Apparently this relates to a XXXX 's credit card debt that she incurred but never paid.
Product: Credit card or prepaid card

I paid off my credit card balance in full, and then saw a mysterious charge that was NOT made by me. I contacted Capital One twice, and the charge is still there. Furthermore, they have not closed this card down, which makes me vulnerable to more attacks. Something is very wrong about this, and I need help fighting for my rights to get the protection from fraud that Cap One should be providing without me having to go to this trouble. I'm interested in also filing a complaint about Cap One using off shore call centers to handle calls about fraud, and how this problem has escalated as a result.
Product: Debt collection

I currently have a personal loan with Citibank. I made a full payment in XXXX, but according to Citibank, I'm still behind. I have spoken to the representatives of the loan department and they have not offered any remedies to resolve this debt as their correspondence has stated. They call me non-stop at all hours of the day. And recently, they've been calling and not saying anything. Saturday, XXXX, from phone number XXXX @ XXXX a call came in but no one said anything. The call terminated. On XXXX ( Sunday ) from phone number XXXX @ XXXX, the representative was adamant about receiving payment. and just this morning a call from XXXX @ XXXX XXXX came in, but no one said anything. 

A full payment towards this loan was made last month. During this Pandemic, this loan is not a priority, however, I am still making payments, I will not be harassed in the process.
Product: Credit reporting or other personal consumer reports

XXXX sent information to all three credit companies for the consolidation of the student loan. XXXX and Transunion stated they did not received this information. Student accounts are still showing as separate loans. For XXXX the credit score dropped XXXX pints on XX/XX/XXXX. No information on my credit have changed. The student loans are current and on time. A XXXX account and a XXXX XXXX account have been removed from Transunion and the score went up XXXX point for each account removal due to fraud. XXXX also stated that they do not received the student loan update information in XXXX. I will be moving forward with submitting documents to move forward with a law suit on all theee bureaus due to Harassment misuse of the credit reporting or XXXX handling of the credit reporting I have been lied to several times by all three bureaus. They have withheld information stating they did not received information from companies that would be positive reports. I am suing for discrimination harassment stress and defamation of character and loss of financial gain.
Product: Mortgage

My mortgage was with XXXX XXXX XXXX, which I complained about because they withheld too much money in my escrow account. Then, in the middle of my complaint, they switched my account over to Specialized Loan Servicing LLC ( " SLS '' ). SLS was supposed to give me back a {$5100.00} dollar overage in my escrow account that they inherited from XXXX XXXX XXXX. They sent me an annual escrow statement that was supposed to have a check attached. There was no check attached. I called them. They said they were putting a stop payment on the check. After waiting and waiting, I called them on XXXX XXXX, 2016 and they told me the check was sent on XXXX XXXX, 2016 and to give it some time to arrive. I called them again on XXXX XXXX, 2016, and this time they told me that the check was sent on XXXX XXXX, 2016 and to, again, sit tight and give some time for the check to arrive. I 'm worried I 'm not going to see the money at all now. They 're already 2 months behind on giving me more than {$5000.00} THAT BELONGS TO ME. They do n't have any evidence ( tracking number or otherwise ) that they actually mailed the check out. With all this hoopla, you would think they would send the check in a manner that is designed to ( a ) insure that it arrives to me ; and ( b ) in a timely manner. But they didn't/do n't. I want the money that belongs to me and they 're not allowed to hold on to my money and keep giving me the runaround when I call them. This is ridiculous. I was forced into SLS 's hands by my previous mortgager -- I would NEVER want to do business with SLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my Credit Report. 

Im filling a complaint because Ive noticed XXXX XXXX, XXXX, and Experian are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how XXXX, experian, and XXXX are able to obtain, furnish, and report completely false and inaccurate information on consumers report. Especially without the consent of that consumer. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion have violated my rights by reporting THIS FRAUDULENT account that does not belong on my credit report. I have written TRANSUNION 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE. please help me solve this problem its causing serious harm and hindering me from moving forward in life.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX NEVER GAVE ( XXXX, XXXX OR TRANSUNION ) ANY VERBEAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT A COPY OF THE LAW IS ATTACHED WITH THE DISPUTE I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMSISSIBLE PURPOSE BY THE LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. 1028 A. YOU HAVE KNOWINGLY TRANSFERRED POSSESSED OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISMONMENT IN ADDITION TO CICIL LIABILITY THE FOLLOWING ACCOUNTS ARENT MINE
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX COMPANY Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

Barclay is harassing me by sending me pre-approval offers nearly daily. I 've called to ask them to stop and they either want a social security number or other personal information to be able to process my request. I refuse to do that. They also say it will take 8-10 weeks to process my request.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I have spoken with the original creditor in this the reference to account number XXXX XXXX XXXX XXXX XXXX they have informed me that the account was handled and paid in full. They informed me that there is no reason it should be reporting on my credit and leaving damaging effect to my credit reports. it is against the law to still report on the credit reports if the account is in fact paid and settled It also violates my rights a consumer and could be a penalty against your company.
Product: Credit card or prepaid card

On XX/XX/XXXX, we purchased a 5 Day XXXX XXXX package through Costco Travel using our Citibank Costco Visa credit card for {$1700.00}. At that same time three other members of our family ( 2 sisters and one brother ) purchased the same cruise package using Citibank Visa credit cards. 

On XX/XX/XXXX, all four parties cancelled the cruise packages due to COVID-19 - at the strong recommendation of the US State Dept. At that time, Costco Travel indicated that our only options were to take a cruise credit or get on the ship. No full refunds were being given. 

On XX/XX/XXXX, we initiated a dispute with Citibank Visa for the cruise charge and subsequently my siblings disputed their charges using the same rationale/documentation. 

On XX/XX/XXXX, XXXX XXXX XXXX cancelled our scheduled 5 Day Cruise due to COVID-19. 

On XX/XX/XXXX, one sister and brother-in-law were notified that their dispute was resolved in their favor and their conditional credit was made permanent. 
On XX/XX/XXXX, we were notified that our dispute was resolved in favor of the merchant and our conditional credit was rescinded. 
On XX/XX/XXXX, my brother and sister-in-law ( who had paid for an additional sister ) were notified that their disputes were resolved in their favor and their conditional credit was made permanent. 

Clearly, the Citibank dispute team is NOT treating everyone equally! 
This UNFAIR/UNEQUAL TREATMENT is unethical and unjust! We have called Citibank to resolve this on numerous occasions ( spoken to at least 4 supervisors in the Citibank Dispute Center ). No one from Citibank has offered an explanation as to why three of the four siblings received full refunds ( one before us and then two after us ) yet we are being denied! Why are we being singled out in this matter? We fully expect the same resolution afforded to my 3 siblings!

I have attached two letters from Citibank ; one indicating the full refund to my sister on XX/XX/XXXX and one indicating no refund to us on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the inquiries and accounts I do not recognize are continued here. 
XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance {$280.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Have automatic withdrawal to pay B. of A. mortgage. I refuse to do business with Bank of America due to their blatant, unfounded attack on 2nd Amendment rights. Thankfully mortgage, note holder agrees to refinance through another institution. We both feel leaving the Bank of America is out of our hands. Their recent actions regarding XXXX rights are absolutely illegal. We both believe Congress will intercede in this matter. In the meantime we must close all accounts with substantial amounts of fees being applied. We demand B. of.A. pay all associated fees. Taking responsibility for playing politics. An the attempt to steal rights from citizens is their own fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the EXPERIAN. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXXXXXX XXXX  2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX  5. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXXXXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX Date Updated:XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS:XXXX XXXXXXXXXXXX XXXX  XXXX VA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, VA XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  IL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
17. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card

My Citibank/Best Buy 's account was credited {$430.00} on my behalf by my bank for payment on XXXX XXXX, 2015. Payment was due on XXXX XXXX. The amount paid/credited to Citibank/Best Buy covered the entire balance on my account. Citibank/Best Buy has charged, and is continuing to charge late fees despite electronic records showing that the payment was timely received.
Product: Debt collection

Dear Sir or Madam, I received letters from ARS stating I owe a few debts. I am requesting a validation of debt. I am distressed and annoyed and fearful from being harassed by these debt collectors.
Product: Checking or savings account

My name is XXXX XXXX and I write to you to formally file a complint against Citibank. On XX/XX/XXXX, I called the bank to close both savings and checking accounts because they were charging {$25.00} maintenance fee for not keeping {$10000.00} as minimum balance. I, like many people do not have that kind of money to keep in a bank that only pays 0.20 % ( APY ). Therefore I opened a maintenance free Online bank account and moved all my money there. 
Unfortunately, on XX/XX/XXXX my XXXXyr old Father made a teller deposit of {$300.00} to the Citibank checking account- that I thought it was closed. The following day I called Citibank to get the money back ; the customer service representative told me that I would get a refund check on my mail and that it would take between 5 to 10 business days. That check never arrived. I no longer have an ATM bank card so withdrawing the money is impossible. I am stuck. 
On XX/XX/XXXX, I called back and asked to talk to a Supervisor so he can explain why I still did not receive the refund. I was put on hold for a long time that had to hang up and call back again. I spent about an hour on the phone that day. The only thing I did before hanging up is that I filed a complaint with Citibank ( Complaint # :  XXXX ). I never received a letter from Citibank about the complaint I filled that day. 
I am not sure if there are more customers out there facing this predicament, if there are. I am formally requesting an investigation of Citibank practices, which I believe is breaking Federal and State laws ; I am also requesting for a full reimbursement of both my savings and checking accounts which totals {$320.00}. 

Best Regards, XXXX XXXX XXXX Debit Card # : XXXX Savings Acct. # : XXXX Checking Acct. # : XXXX
Product: Credit card or prepaid card

My work payroll card is through money network and I had fraudulent activity with my card of {$3600.00} I had tried calling to get back my money due to not being the one who spent it. They had me make an appeal and I did but for some reason it was denied saying there wasn't enough evidence and I was told to do a despute, so I went to the police station and reported it and made my dispute, I wrote up all the fraudulent activity and called some of the places that had made transaction with whoever took my money, they said they were from Texas, so I wrote this all in my dispute and let them know I don't even have the stuff they charged around me for instance an user eats. I faxed them all the information they asked for. This was all in XXXX and they told me it could be up to three months before I heard anything about it, well I tried calling today to see what was going on with my money and they told me I was denied again!! I don't understand why it would be denied in the first place and asked them why and they said they have no more information to give me. So what am I supposed to do? I work very hard for my money and it gets stolen and they can't or aren't willing to do anything thing to help me. This was all right before Christmas so I had no money to buy gifts and felt bad enough about that. Now they are telling me I'm not getting my money back at all, I've done everything they have asked and reported it to the police and just want my hard earned money back. Please help me out with this matter so I don't lose all faith in humanity.