23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Early XXXX Received an UNSOLICITED credit card in the mail- XXXX rewards XXXX thru Chase Bank XXXX Never applied or requested information about this card. 
XXXX XXXX Received statement with balance of XXXX. Charge is for card services not purchases. No purchases had been made. 
XXXX Called to inquire about charges and how account was opened- card was activated during that call not intentionally. Called customer service- explained situation. Advised to go through dispute department. Request account closed asked to remove charges and sent letter. 
XXXX Received letter saying account is closed but I am still obligated to pay balance of XXXX. 
Now late fees and interest are being assessed - current balance is {$130.00}
Product: Debt collection

I, ( XXXX XXXX ) Had a cable account with XXXX at my address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. We had bad service so we cancelled the service and started service with another provider. We documented everything in minute details. 
We were told a shiiping box would be sent which arrived in 2 days. We put all the XXXX equipment in a box took PHOTOS of the contents, and took PHOTOS of the shipping document. THis was on or about XX/XX/XXXX. 
The XXXX XXXX tracking number is XXXX XXXX XXXX XXXX XXXX. We later verified that I had been delivered successfully. We shipped the package ; dropped it off at a XXXX store in XXXX oregon and have a copy of the shipping document. We have had no less than 7 phone calls first from XXXX and now from credit control at XXXX XXXX XXXX, ( XX/XX/XXXX ). I have kept all my letters also which included shipping documents, photos of the shipping documents and delivery confirmation number. 
In the first letter I was clear that this was a disputed debt and I didnt owe a penny. I did notice that when XXXX  did the install of equipment they tore up the sheetrock in the garage and in my last communication I also informed them that they owed me {$150.00} for professional remediation for the damage. When I spoke to a XXXX today at credit control I did inform her that I have mailed XXXX   numerous times the communications ( by us mail ) that this was a disputed debt, and to not contact me further. 
I think they violated the fair debt collection practices act. 
I have kept scrupulous notes and documentation on this matter.
Product: Credit card

Background : This is regarding a credit card I recently was approved for. It comes with a a sign up bonus if a minimum spending requirement was met within first 3 months go account opening. 

Situation : According to the Chase representative, the window of minimum spending requirement begins the day your card is approved, but you do n't actually receive the card for 7-14 business days, unless expedited. Hence you actually get less than the 3 month period to spend that {$4000.00} to get sign-up bonus. 
I currently have particular reason to spend money towards an upcoming vacation, which can substantially contribute towards, the minimum spending requirement. But due to the Bank 's practice, I wo n't be able to till I physically receive the card. This appears to be an unfair and or deceptive practice, based on my interpretation of UDAAP guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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

Due to COVID-19 my family did not feel comfortable traveling to New   York, one of the epicenters of the pandemic. There were 4 passengers and 2 different flights purchased a one-way one from XXXX to NY, and another one from NY to XXXX. I made several attempts to cancel the flight before my departure date. In one occasion they responded by offering either a full refund or credit. I chose the refund option but my reservation was never cancelled. I kept contacting them via text message through XXXX, via email and by phone calls. I will attach all the proof and their responses. They contacted me via email and offered me a partial future credit ( {$280.00} ) for only 6 months. I disputed the charges since I opted for the refund option and because I never heard back from them for months. Their response to my dispute was that we were a no-show and that they were offering a 12 month credits for cancellations. So I actually did not get either one since the partial refund offered is now cancelled. I have been trying to reach a person who could help me I have called and sent messages, and I still have not received a response. Now the credit is not even an option anymore due to the dispute, but my bank also failed to send documentation on time and I was not able to get my money back through my bank. I was also advised to make a complaint to my financial institution due to their negligence while processing my claim. I am out {$760.00} due to XXXX  and my financial institution failure to deliver what was promised that is well documented, and doing their jobs. Bank of America is not able to provide me with the documentation where they said they informed me the answer to my dispute to XXXX  was time sensitive. I made a phone call to BOA after receiving their response letter via mail dated on XX/XX/2020 stating my claim was closed and not refunded due to the no-show. They attached XXXX  response documentation. I called upset to ask why they had never contacted me to request the documentation to support my claim, that I initially informed them I could provide when I submitted my claim. I was told I still could answer the claim decision and I specifically asked if there was a due date. They told me there was not a due date but I should had acted quickly, which I did. They are not saying I did not send the documentation on time and closed my case without refunding my money nor taking responsibility of their actions that has caused to lose my claim. I would like to see if by submitting this complaint someone could hear me and help me with this issue. If you need further information please feel free to call me. Thank you so much for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America granted me two -- -three month deferrals on my payments due to Hurricane IRMA.THE DEFERRAL WERE FOR XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. A PAYMENT WAS MADE IN XXXX AS REQUIRED. BOA is current reporting a past due amount of {$1600.00}. I disagree with this late fee. 

INTEREST AND LATE FEES WERE SUPPOSE TO BE WAIVED ALSO. The interest amount of {$3400.00} was not waived. The interest and principal was added to the balance as a balloon along with the principal. The late fees of {$350.00} were eventually waived as promised. 

BOA is currently reporting a Balloon Payment amount of {$10000.00}. This incorrect also. the amount should be ( {$10000.00} -- {$3400.00} ). 

I have been in contact with BOA since XXXX concerning this issue. I m called from the collection department and they are not aware of the IRMA deferral. No one at the bank seems to know what was agreed to and how to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

im an id theft victim. These accounts are not mine, XXXX XXXXXXXX XXXX {$5600.00} XXXX # NA XXXXXXXX XXXX XXXX {$6800.00} Authorized user XXXX # NA
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter to the the Three major credit bureaus ( Transunion, XXXX and XXXX ) on XX/XX/2022 containing United States Law. These U.S codes contain and states information containing the proper use and rights of a consumers credit. The Credit bureaus didnt act and respond to the letter. As well, I was a victim of Fraud due to an violent assault resulting in my SSN card being lost. Ive sent my FTC report to the bureaus, to suppress the damages again resulting in no action.

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. XXXX, Transunion and 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

I received notice Of a debit on my credit report. I tried calling the company and didnt receive any answers. I tried calling the local place and no one has any information to show why Im being charged with this debit
Product: Checking or savings account

XXXX use my phone bank app transfer funded from XXXX XXXX to Citibank with {$40000.00}. Citibank immediately lock the funds and Citi kept the funds for the full XXXX business days for no legitimate reason. I called on the support today when will my funds be available and they kept saying it was a legal requirement for them to hold my funds for another XXXX days, before I can have any any access to my money. They hang up my phone immediately without my permission every time when I ask them what reason they hold my money and doesn't give me access to my hard-working money. They offered promotion on their website that I will receive {$800.00} in total according to their promotion on website, they never give me any money which was a fraud act.
Product: Mortgage

In XXXX, I was approved for a loan modification that had principal forgiveness every XXXX for 3 years. XXXX is here, and of course, no principal forgiveness as promised by Ocwen. Each and every year, I have to reach out in order to receive the principal forgiveness that was promised to me. 
Again, I am to receive a principal forgivenss and they did not do so. Not only that, my loan is being sold to a new lender as of XX/XX/XXXX, and I do not want to hula hoop with this.
Product: Mortgage

An attempt was made to submit a REQUEST FOR LIEN RELEASE to Citifinancial 's Lien Release Dept. I made contact via their recorded message line at XXXX ( dead end ) AND followed the instructions to submit an emailed message with attachments to email : XXXX ( another dead end - message " returned as undeliverable '' ). 

The following information was submitted for a " release '' draft from their Citifinancial office to perfect title of property burdened with an open Mortgage originated with XXXX XXXX XXXX XXXX on XX/XX/94. 

PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX & LOT/Parcel # : XXXX CURRENT OWNER : XXXX XXXX FORMER OWNERS/BORROWERS/MORTGAGORS : XXXX XXXX and XXXX XXXX ( wife ) MORTGAGEE : XXXX XXXX XXXX XXXX ( Now Known As CITIFINANCIAL ) *See attached Title Search for copy of Mortgage and last recorded Deeds of record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergont Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00}-
Product: Mortgage

We received a loan and our first payment was due XX/XX/XXXX. The amount was mailed with the temporary mail stub we received at closing and cleared our bank on XX/XX/XXXX. Payment sent to CrossCountry Mortgage LLC XXXX XXXX XXXX, XXXX Ohio XXXX. 

We notified the service provider in XXXX that the payment was not reflected even though it cleared our bank account. A copy of our bank statement was provided to the service. 

Our second payment was due on XX/XX/XXXX. It was paid on time, however the payment credited to XXXX and our XXXX payment was reported as not received. As you would expect the process has continued. After receiving no communication from the loan services ( except for statements that do not reflect the payments properly we are looking for additional support ). Even though we filed written complaints with the service provider we now today received a delinquent notice dated XX/XX/XXXX. We are at our wits end. Perhaps you can get someone attention at Cross Country Mortgage , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, XXXX IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE XXXX XXXX ACCOUNT IS BEING REPORTING DIFFERENTLY TO TRANSUNION, XXXX AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH XXXX. PLEASE SEE XXXX XXXX REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XXXX/XXXX/2022 SHOWS A LATE FOR XXXX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE PAYMENTS.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters via certified mail requesting the removal of transactional history and utilization per the guidelines set forth in the USC 1681a ( 2 ) ( A ) ( i ) as this information is not supposed to be included in the consumer report. The reporting agency responded that the company certified information is correct. Part of the responsibility of the consumer reporting agency is to ensure accurate information is being reported, if this information is not allowed per FCRA USC then it should not be reflected on the report and should be reporting 5 % or below and accounted noted " pays as agreed '' XXXX XXXX- which has been in dispute for over a month and should have been removed since the information has not been verified w/i consumer agency timeframe of 30 days XXXX XXXX utilization and XXXX XXXX need to be corrected XXXX XXXXXXXX utilization and late payments need to be corrected XXXX XXXXXXXX utilization and late payments to be XXXXXXXX XXXX XXXX utilization and late payments to be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXXXXXX BANK XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, BANK OF XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit card or prepaid card

On XX/XX/18 I was looking for new auto and renters insurance online. I found auto insurance for {$800.00} on XXXX  online. I purchased it but when the purchase went through it was {$1200.00}. I called them right away ( in less than 5 minutes ) and cancelled the insurance. I also told them that it was a horrible way to treat the public. The renters insurance was going to be in a bundle, but the insurance never went through and till this day I am getting emails to finish my purchase. The insurance agent could not even find it in the system. I told XXXX to make sure my card wont be charged. XXXX said they wont charge my card. 
XXXX charged my card the same day for {$360.00} for auto and {$44.00} for renters insurance. XXXX  does not refund my card and Wells Fargo allows XXXX to charge my credit card without my permission. I talked to Wells Fargo 3 times and exchanged emails with them. They said that it takes time to revise the charges. It has been over 1 MONTH ago, and the charges are still on my card and now Wells Fargo wants payments. 
The XXXX XXXX fine Wells Fargo got a month ago was not enough for the bank because they still defraud customers! I called Wells Fargo the same day and explained them what happened. They still let the charge to go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX but closed the account and XXXX XXXX   sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named The XXXX XXXX.but the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.
Product: Credit card

While checking my credit report I noticed 4 fraudulent hard inquiries that I never made. I noticed 3 hard inquiries from Navy FCU Finance two on XX/XX/2023 and one onXX/XX/2023 and XXXX XXXX XXXX  onXX/XX/2023. I have no knowledge of these hard inquiries and they are the result of identity theft and they must be removed within 4 business days as per the 15 U.S Code 1681c-2. I have file a complaint with the Federal Trade Commission and will attach the report.
Product: Debt collection

XXXX   XXXX ,    2017 Me ssage left on machine looking for another person who was " listed on an application as a reference ''. Caller ID #  XXXX   XXXX , call back number stated  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOANS OR LEASES XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.