23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made a transaction using my debit card password, on XX/XX/XXXX at XXXXXXXX XXXX in a company called XXXX, the transaction was carried out successfully only once and the bank charged me twice, leaving me with a Pending balance WITHOUT BEING ABLE to use it, for almost 15 continuous days, and I called to complain that they had charged me twice and they told me I had to wait ... without giving me any more options when I need my money and I paid it only once... I went to the store where I made the payment and they gave me a separate receipt from the first one where they showed me that it was a mistake by the bank in charging the transaction twice. because they only have one payment and which has already been posted to my account successfully... this is not the first time that it has happened to me with payments that I make with an XXXX banking institution that they charge me double for a single transaction and leave me without money for 15 days continuous... I attach to this claim the proof of receipts and photos of my online banking... thanking you for your help... please... I am tired of this bank abusing my conditions as a customer. and today I called customer service and managed to speak with a supervisor named XXXX who laughingly told me that I had to wait ... without giving me any more options and mocking my desperation for needing my money to pay my bills, this call I made it today, XX/XX/XXXX at XXXX XXXX this being my second call in what I have been waiting for my money to be released... I need my money please!!!!!!
Product: Debt collection

I have received additional communication from XXXX about a debt that was previously discharged in a bankruptcy. XXXX has been contacted in the past, including a previous CFPB complaint filed by me, for attempting to collect on the same discharged debt in XXXX of XXXX. This company will not leave me alone despite knowing I filed Bankruptcy and the debt they are attempting to collect on was legally XXXX. 

In XXXX of XXXX a CFPB complaint was filed against XXXX under complaint XXXX XXXXXXXX for unlawfully attempting to collect a debt referred to XXXX for collections. The XXXX reference number is XXXX. Original creditor XXXX XXXX XXXX, also named in the XXXX complaint. The current creditor is XXXX XXXX who is using XXXX to collect. The complaint was resolved in XXXX with XXXX acknowledging the bankruptcy and agreeing to stop collecting on the debt. The bankruptcy information is as follows : Case XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX, no asset case Date Filed : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I received another collection letter from XXXX dated XX/XX/XXXX. This is 15 months after they were notified that the debt was discharged. This letter contains a docket number for a judgment ( XXXX XXXX XXXX XXXX ) filed XX/XX/XXXX while I was protected by a Bankruptcy stay and which was legally discharged in my bankruptcy. There is BOLD lettering stating " The Amount of Debt Now ''. It is my understanding that after a debt is discharged in a XXXX XXXX XXXX, there is nothing owed.
Product: Vehicle loan or lease

Three weeks prior to end of lease ( XXXX XXXX ), requested pre turn in inspection. Inspection turned up some bodywork items and two inadequate tires. Had the bodywork items fixed, and took car to dealer. Dealer inspected and noted that items had been fixed. some time later got an invoice from GM Financial for all the items on the original pre turn in inspection, including bodywork. Contacted GM many times, always frustrating got nowhere. They asked for an invoice. I provided the invoice I got, but they won't accept it. Their attitude is, because we ask for it you owe it, never mind that one of their dealerships noted that it was fixed. Asked to speak to someone other than first line operator, and they can do nothing but request a call back- which never happens. This is once again a big company cheating the customer because they can, knowing that they can wreck our credit rating.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ( XXXX XXXX XXXX sent a claim to : Chase XXXX XXXX My account ending in XXXX However, I have not received my credit back. For this reason I appeal to your help to resolve this issue. 
I attached the claim and pictures for the incident which causes mental and physical damages to my wife and me. 



On XX/XX/XXXX - The flight of XXXX, was delayed a lot ( 4 hours ), which caused us hypoglycemia and stress of so much waiting for the airplane. The flight was very unsafe and harmful to my wife and me. My wife ( with a broken ankle ) was placed in the window in the second row. Which caused her more pain, inflammation and worse injury. Because with a lot of work she entered and left that seat. Upon landing, the plane did not reach a suitable gate so that my wife could get down safely. We were taken down with a very unsafe staircase. And because of this I suffered from XXXX XXXX XXXX Regarding my wife she was lowered on a makeshift board. In addition to this, one of them ( XXXX XXXX XXXX XXXX DROPED HER and almost fell DOWNSTAIRS from the top of the stairs ( Photo included ). So I suffered from a lot of XXXXXXXX and MY XXXX XXXX RAISED and it caused me XXXX XXXXn MY Eyes ( because of i WAS scare and stress of seeing that they were going to DROP and throw my wife ) so my XXXX XXXX until to this day I have XXXX XXXX XXXX XXXX XXXX. Because of all these anomalies in the airplane and the physical and emotional damage they caused us. We demand the return of the airplane fees and pay us XXXX dollars for the damages that we suffered due to its ineptitude of the airline, in not offering security in its flights. My wife needed more care for XXXX, who gave her XXXX and crutches and put on an aerodynamic boot. And to me XXXX XXXX XXXX } I saw the XXXX and he referred me with the XXXX. For this incident I am gooiont to be XXXX XXXX XXXX THE RETINA THAT WAS INJURED BY THE FEARFULNESS AND STRESSS THAT WE got in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filed a FTC identity theft to report these separate fraudulent accounts. I just became aware when XXXX  XXXX and discover sent letters saying they were XXXX etc behind. They would not remove them after countless calls. I had to file debt repair and keep paying to it wouldn't affect my credit even more. I had no idea I could file a report so that's why i'm doing this now. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credible report. I demand the aforementioned fraudulent items be removed from each of my consumer report and all collection activities related to said items cease persuant to my rights with the FCRA and FDCPA law. 
additional inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  additional account : XXXX  XXXX. 
I do not recognize the aforementioned accounts, collections, and hard inquiries in question. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I signed up for a XXXX  rewards program in which the company XXXX and Wells Fargo would mail rent checks to my land lord. The land lord claims they did not receive the checks and Wells Fargo and XXXX could not determine if they weee cashed, but I was charged via a XXXX Credit Card from Wells Fargo. I only learned this when I received a delinquent account notice via email.
Product: Vehicle loan or lease

A payment was made to SunTrust on XX/XX/2022. SunTrust has merged with Truist, who has failed to reconcile the account and payments. All documentation, including bank transfer receipt has been provided on multiple occasions. Truist continues to show the account as past due and is reporting the account delinquent to credit agencies.
Product: Debt collection

I am writing to formally dispute the unauthorized use of my consumer information, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

It has come to my attention that you have accessed or used my personal information without my consent or any permissible purpose as outlined under the FCRA. Furthermore, I have no contractual obligation that would authorize such actions. Pursuant to the protections afforded by the FCRA, you are prohibited from obtaining or using my information without explicit authorization or a valid purpose. Additionally, if my information has been reported to any credit reporting agencies, I demand the immediate cessation of such activity and the corr
ection or removal of any unauthorized entries. Failure to comply may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for any damages incurred as a result of this violation.

Please provide the following within 30 days of receipt of this letter : 1. A detailed explanation of the purpose for accessing or using my consumer information.

2. Documentation evidencing your permissible purpose, if applicable.

3. Confirmation that you have ceased all unauthorized activities related to my information and have removed any unauthorized reports to credit agencies.

If no permissible purpose exists, I expect an immediate acknowledgment of the violation and steps to rectify the situation. I reserve the right to pursue further legal action if these matters are not addressed satisfactorily and promptly. 

Please address all correspondence regarding this matter to me at the contact information listed above. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Citibank Closed my checking account ending in XXXX. I was told I would have the balance in the checking account sent to me via mail in a check within 60 days of the account closure. This was 60 days ago. I have still not received the check. I have contact Citibank by phone, email, and in-branch. No resolution or check provided.
Product: Mortgage

I received notice from XXXX on XX/XX/XXXX that my loan was going to be serviced by Nationstar Mortgage LLC d/b/a Mr. Cooper. It is now XX/XX/XXXX and I still have not received any notice or statement from Nationstar.
Product: Credit card

On XX/XX/XXXX we hiredXX/XX/XXXX to pack some boxes. The team that showed up was under the influence of XXXX. They didn't follow directions and packed things we didn't want packed. Didn't fully utilize box space or correctly wrap valuables. I had to repack everything. Requested a charge back since company would not provide a refund. Citibank declined saying it was an inconvenience, so resubmitted after talking to Citi rep. They said it was a valid reason for charge back and should be successful. Asked if someone could contact me to make sure documentation was correct no one reached out. 2nd request was declined and now having trouble talking to a rep. Seems like no one physically reviewed my complaint, so requesting CFPB to review their process.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of XXXX of the Federal Rule of Bankruptcy Procedure. 


XXXX XXXX  of the Federal Rules of Bankruptcy Procedure went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the XXXX XXXX of XXXX, XXXX XXXX  addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, XXXX XXXX requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.
Product: Credit reporting or other personal consumer reports

Approximately 5 weeks ago I contacted Equifax to remove a non-mailable addresses from my credit report, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and 16 CFR 313.7 ( f ), and as of today they have not provided any assistance in the matter.
Product: Credit reporting

On XXXX XXXX, 2016 and XXXX XXXX, 2016 I filed a dispute for XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate these items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when I contacted the Ohio Department of Taxation and the XXXX office they both stated that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the record reporting. Upon contacting Equifax, on two separate occasion on XXXX/XXXX/16 and XXXX/XXXX/16 via certified mail, requesting that they mail a description of their procedures, indicating the exact name and contact information for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The two tax liens for {$3900.00} ( reference Number XXXX ) and {$630.00} ( reference Number XXXX ) should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.
Product: Credit card or prepaid card

I have had a XXXX XXXX XXXX for years, according to XXXX since XXXX. 
Although my account has had varying credit limits, the company resolved higher credit limit accounts to {$500.00} ( including my XXXX credit card ) when the restructured about 5 years ago. 
Recently, I received a letter in the mail dated XX/XX/XXXX from XXXX which states that my credit limit was increased to {$800.00} effective immediately. 
I have NOT, however, seen the credit limit increase when I view my account online. 
I have contacted XXXX by e-mail regarding this issue, with a response that my credit limit was {$500.00} not {$800.00}. Today ( XX/XX/XXXX ) I spoke with a XXXX   representative ( XXXX ) who confirmed that my credit limit is {$500.00} and told me that the XX/XX/XXXX letter " must have been a mistake ''. 
I explained to XXXX ( the XXXX representative ) that I believe his response was incorrect and possibly illegal, because banks and other financial institutions are bound by strict financial laws. 
Despite my protest, my XXXX XXXX credit limit is {$500.00}. 
I would like my XXXX  XXXX credit limit to be officially increased to {$800.00} as indicated in the XX/XX/XXXX letter
Product: Credit card or prepaid card

Capital One allowed XXXX XXXX lines to over charge my account even after I immediately notified them of the circumstance. XXXX keeps sending them a list of trumped up charges due to a faulty sail and sign card. This is not a small amount, it was to the tune of over XXXX in one day/night. I told XXXX immediately that these were not my charges. The charges shown are not correct. The only evidence is video surveillance and Capital One will not ask for and XXXX will not provide. I have told Capital One this is fraud on my account. They even allowed them to go over my credit limit by XXXX.
Product: Debt collection

XXXX XXXX is attempting to collect a debt from XXXX. The account with XXXX was closed in XXXX and no further activity was made on this account. I dont know who XXXX XXXX is or why they are reporting on my credit bureau but they have refused to provide any proof they own the loan. They will not provide a signed contract. Further, they are claiming this account was opened in XXXX of XXXX. That is a lie. This account was closed by me when the furniture XXXX sent me was defective and they refused to fix the problem. No further contact was made, with XXXX or XXXX XXXX after XXXX. They are claiming this account is still open and are stating it opened in XXXX of XXXX. I would like to see written proof of this. I would like to see the contract and proof of purchase from XXXX of XXXX along with the signed contract, also dated XXXX of XXXX. They wont be able to provide any of this because it doesnt exist. Thank you, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, PNC " ADVISED '' me the only way to help was for me to let my mortgage go into FORECLOSURE process. This was because my house was worth WAY more than I owed. My financial hardship reasons did not concern PNC. I just had to show I could NOT pay my mortgage by not paying. This caused me to pay 2 years of attorney fees collected by PNC. A re-structuring amount charged by PNC, late fees, court fees and interest fees to LOST income by PNC. As of late they are charging me to pay electronically or by check PLUS additional fees due to the loan. I have amassed well over {$5000.00} in fees, and extra interest paid to PNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, XXXX XXXX XXXX is currently reporting to Experian that I had a lease with their company, which totaled in the amount of {$18000.00} opened in XX/XX/XXXX. I am not  aware of who opened this account nor do I have any information outside of what was provided in the letters sent to dispute this account in XX/XX/XXXX. Upon my knowledge of this fraudulent account, I immediately filed the proper reports to support my position of identity theft, on this account and several other items on my credit reports. This account was fraudulently open in my name. This has become very frustrating for me and is causing damage to my credit. I have made efforts to dispute this issue for a whole year and this is still hindering my credit. 
Pursuant to Fair Debt Collection Practices, XXXX has not been able to provide me with 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this fraudulent debt. 

They have been non-compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that they are liable for willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]. They have failed to provide a copy of any alleged contract or other instrument bearing my signature. 

Lawfully I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act With regard to Experian, they are continuing to give me a hard time with this account. XXXX, as well as XXXX, were excellent in assisting me and understanding my concerns and have complied with my efforts in disputing this account as a fraudulent account and have completely removed it. I notified Experian of the actions in XX/XX/XXXX that the other two bureaus have taken and they are continuing to keep this account on my credit profile. I have taken the steps to dispute the account on Experians website and certified mailed letters regarding FCRA Section 605B.  They are handling this request as a common dispute and had no urgency in complying with the law. 



Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and XXXX during the week of XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries from my credit report.
Product: Vehicle loan or lease

The payoff payment sent on XX/XX/20 via overnight mail in the amount of {$22000.00} is missing from my account. Please locate the payment and post to my account. As of XXXX Chase has not posted the payment to my account. Thank you.
Product: Debt collection

keeps popping up on my credit report as " collection '' this is not my debt it is ruining my credit i'm being denied credit because of this its been popping up for some time now i have no knowlede of this account i have been a victim of identity fraud its states amount is well into XXXX {$2000.00} i will prosecute this all the way again it is not my debt!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX account in the TRANSUNION report that is associated to my name is in violation. Under permissible purposes of consumer I never gave them written consent to place this on a report attached to my name. Also, this is misleading and inaccurate information. Under XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.