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

Yesterday I signed up online and downloaded the app. For citi cards. After filling out my information, about one hour later I received a text message thinking it was from citi card. The message reads, bank-mobile- alert-9. ( Call XXXX XXXX # ) # Card-temporarily-locked-ID : XXXX. I thought it was citi card texting me because of signing up for online banking with them, and possibly there was an issue with my new account. I called the number and they asked for my social security number, DOB, address, the card number and PIN number. I unfortunately gave them all the information up to the PIN number. Thats when I figured out this was a scam. I called citi cards right away, they closed out my account for the time being. I will get a new card soon. I also put a freeze with my 3 credit bureaus. And a fraud alert is in place from last XXXX of 2021, from another hack I went through. At this time no monetary problems. I deleted my app. With citi cards and will pay only by paper statements with a check. I hope this information helps you and me. I will be very careful from now on when receiving any text messages that are unexpected. I truly thought it was citi cards at the time, or I never would have responded to the text message.
Product: Checking or savings account

I had several overdraft fees, unknown fees and shut down of my account with my money being in the account.
Product: Credit card or prepaid card

Pre-approved for cards not pre-approved for. Had me signing up for cards just to be declined and hits and points lost on my credit report based on information from Credit Karma they provided which was false just to get me to sign up very misleading and cost me in the credit world.
Product: Credit reporting

I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate and incomplete. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
XXXX. Account open in XXXX/XXXX/XXXX however history is incomplete and missing payment history in XXXX, all of XXXX, all of XXXX, all of XXXX
Product: Vehicle loan or lease

My wife passed away in XXXX of XXXX, she passed unexpectedly and it took me a little bit to get any financial means in order. My wife had a loan out for a vehicle that I did not co sign or get with her. I did call this company to let them know of my wifes passing and asked how I could get this changed over to me, I did make a {$XXXX} payment as she was passed due on the loan. When I called again a few months later to make another payment I was told to that no one could talk to me because I was not the POA for my wife. The following week the vehicle was repossessed and I made no complaint. In XXXX I was served with court papers stating that I was being sued for the remaining balance after the sale of the vehicle. I was able to provide all information I had and the case was dismissed. I am now still receiving invoices from credit acceptance for the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law These accounts must be investigated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A INVESTIGATION REQUEST OR SUPPRESSION OF THE ACCOUNT. THIS IS A DEMAND TO PERMANENTLY DELETE MY INFORMATION FROM YOUR RECORDS. 
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel. 
TELETRACK has violated 15 U.S. Code 1681b ( 2 ) by furnishing these items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. PROVING I GAVE YOU WRITTEN PERMISSION TO FURNISH THESE. I ALSO DEMAND THE TELETRACK VERIFICATION METHOD. WITHOUT RECOURSE. I HAVE WRITTEN TO YOU TWICE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
Product: Mortgage

I recently reviewed my credit report and I noticed that I had a negative reporting on my credit report from a mortgage company that have closed and switched to a different company. I called to see why was this going to happen I was unable to get someone on the phone. They did not send my proper notice for this change and now it is reporting in a negative status the company did not respond.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX has violated my rights XXXX 

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: Credit reporting

XXXX XXXX XXXX stated we owed a balance after we paid the contract agreement. XXXX sold the matter after we disagreed to a Collection Company XXXX. We worked with XXXX and went to Magistrate Court XXXX. It was determined to by Judge XXXX that the matter was too old and Closed the case. Equifax has decided since the Trade name were different that matter could not be removed. We checked with the XXXX to be told that was not true that XXXX XXXX XXXX, XXXX, and XXXX of XXXX were the same. We stated this to get a non response from Equifax.
Product: Credit card

Last week my wife, XXXX, submitted a complaint and that case number is XXXX. Yesterday we were notified that American Express could not respond to that complaint because the primary card holder, me, or an authorized representative was not the complainant. However, my wife is my authorized representative and American Express has been negotiating with XXXX for several years. At best, American Express not recognizing my wife as my authorized representative is disingenuous and an act calculated to make a legitimate complaint against their unfair credit practices more difficult. 
By submitting this complain, I am adopting every and all statements made in case number XXXX. 
American Express told us we would have our traditional XXXX and our points reinstated once we fulfilled our repayment agreement. AmEx expressly stated : as an inducement for your successful completion of the repayment agreement, we will reinstate your traditional green card and return all membership points. Every conversation with AmEx was recorded AND AmEx acknowledges the terms are in the notes in our file. We paid AmEx in full at 0 % interest because of their promises. We incurred charges in excess of {$2000.00} for interest charged on other obligations because of the inducement made by AmEx. Now AmEx has taken the position that the traditional XXXX is not going to be reinstated because of our poor XXXX score. AmEx never told us that there was any condition to the reinstatement of the card other than the successful completion of the repayment agreement. Because I know my XXXX score is poor, I would never have entered into the repayment agreement with AmEx with the terms we did -- -- I would have paid more on my high interest cards.
Product: Credit card

I requested lower monthly payments on one of my credit cards due to financial hardship. I have been a customer with Chase for over twenty five years with a mortgage I have with them. I also have a business checking account.

Today in requesting lower monthly payments after being transferred to six different customer agents I received no help. The last customer support agent, XXXX was rude and hung up on me. 
Chase in the past has always treated me egregiously disrespectful. When people were applying for forbearance due to the Cares Act that was precipitated by the pandemic, Chase didnt want to give me my forbearance until I spent an enormous amount of time insisting on it.

Chase denied me a loan modification as I am an XXXX  person. 
I have a fixed rate mortgage but Chase raised my monthly payments claiming I have an escrow account and the New York tax bureau sent them a letter claiming my taxes were overdue. Chase never produced the letter but still hasnt reduced my monthly payment to what my fixed rate mortgage payment should be as stated on my note. And when I took the mortgage out I did not consent to an escrow account.
Product: Money transfer, virtual currency, or money service

My friend transferred me {$300.00} through Zelle and the money did not show up as available on my acct for 2 weeks. I called XXXX XXXX XXXXXXXX and Zelle and they both gave me excuses like it will be in shortly and it was not available until weeks later.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and LVNV FUNDING LLC. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and LVNV FUNDING LLC that evidences my agreement to pay the alleged debt in question. 

2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : - The name of the original creditor, - The principal balance of the alleged debt, - Documentation of any insurance, securities, tax benefits, or other financial transactions related to the account. 

I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that LVNV FUNDING LLC has made false or inaccurate claims regarding this debt. 


Sincerely, XXXX XXXX
Product: Checking or savings account

Was scammed on the phone and internet money was deposited into my account the bank released the money to me and the scammers had me buy gift cards and send them the card information my account was hit a few weeks earlier and now they are trying to make me pay the deposit that they put into my account {$860.00} iam on XXXX and can not cope with all the damage this has caused me and my ability to provide for my mother
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$1200.00} XXXX XXXX {$720.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which these accounts goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

Revised on XX/XX/2024, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX Account Number : XXXX 15 US.C. 1681 section 602 .A States I have the right to privacy.

15 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$10000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act FACTUAL DATA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts, 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: Mortgage

I have contacted Bank of America ( aka BofA ) several times to remove my PMI ; both in writing and customer service calls. I have made timely mortgage payments for over 9 years now, my balance is below 80 % of the original appraised value ( LTV ). 

I first contacted BofA in writing XX/XX/XXXX to have PMI removed ; my PMI would not be removed without a new appraisal being done was the response. 

I contacted BofA again in writing on XX/XX/XXXX to have PMI removed ; BofA said my PMI was close to bring removed. 

Recently ( summer of XXXX ), with a customer service call a BofA rep verbally shared that my PMI would be removed by XX/XX/XXXX. I just recieved my XX/XX/XXXX mortgage statement from BofA and my PMI of $ XXXX/month is still there. I'm puzzled and at a loss, no seeking CFPB 's assistance. Based on the Homeowners Protection Act of 1998 or HPA, my PMI should have been removed months ago.

I'm hoping the CFPB can help me 1 ) have my PMI removed, 2 ) Get any back PMI owed to me paid to me from BofA, & 3 ) get an explanation from BofA.
Product: Checking or savings account

So I have two separate things that need to be addressed. I have a total charge of {$180.00} ( which I disputed and I received a email stating that a error did occur. Ive told multiple reps this and have even sent in the proof to them already multiple times. ) And for the transfer that was {$200.00} to my XXXX XXXX account on XX/XX/2020. It hasnt shown up and I have given them AMPLE amount of time for this to come in and be fixed. 
All the reps I keep talking to state that these never occurred or that Im lying and that they did happen. They either 1 ) got reversed already ( LIE ) or 2 ) they got denied and Im stuck being out almost {$400.00}. ( LIE )
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XX/XX/2019 I received a collection letter from XXXX XXXX XXXX ( aka Financial Accounts Services Team ), located at XXXX XXXX XXXX, XXXX TN XXXX stating that I owe a debt of {$200.00} to them for a check that was written to XXXX. I disputed the debt and asked FAST to provide verification that this is a legit debt they are attempting to collect. This debt was paid in full to a previous collection company that had the debt prior to XXXX XXXX XXXX. 

I communicated with XXXX that the debt they are attempting to collect is not accurate and that it was previously paid to the collection agency that had the debt prior to them. They have have since placed this collection on my credit report. 

Please assist with getting this inaccurate collection removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX  has a public record on my credit file this according to 15 usc 1681 ( a ) these companies reporting XXXX public record which is a private matter on my credit file and i would like it completely removed. please help me with this matter.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$4600.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} These entries remain unverified and questionable XXXX Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

My loan with Kia Finance was reported 30 days past due. The car was in a wreck and totaled. Kia advised not to pay until they worked it out with the insurance company. We received a bill with a due date and paid the loan off in full. They reported the amount past due before the due date ever occurred.

I have never missed a payment, had a late payment and had a credit score over XXXX, now because of their false reporting, my score dropped XXXX points. Kia on the phone stated they would fix it but have not. They said it is two different departments that are not communicating. The loan is paid in full and on time.

The attached document shows a pay off due date and the loan was paid in full before this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, I reported a fraudulent hard credit inquiry to Equifax ( XX/XX/2021 XXXX XXXX  ). The next day, Equifax responded, " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' It made no attempt to investigate the fraudulent nature of the inquiry or remove it even though it affects my credit score.
Product: Checking or savings account

XX/XX/XXXX my biological mother XXXX XXXX XXXX committed fraud against the courts by stealing my entire inheritance from my father XXXX XXXX XXXX she also received a refinance home loan in XXXX and in XXXX in my deceased father 's name he died in XXXX of XXXX so how is it that he was alive to sign a XXXX XXXX in my mother 's name and how is he able to refinance a home loan in XXXX and in XXXX if he died in XXXX of XXXX. My mother received a {$100000.00} from XXXX XXXX XXXX XXXX XXXX TX and she is also responsible for my father 's death by XXXX XXXX and was charged with gross vehicular manslaughter in the state of California which the law states you can't benefit from someone's death in which case you have been charged for the persons death that being said why is she commiting acts of fraud and getting away with everything seriously had anyone else done this they would have been locked up already so why is it your letting her take hundreds of thousands of dollars and get away with it seriously lock her up already she also takes life insurance policies out on her patients and she gets paid each time someone dies while she is a registered XXXX nurse enough is enough do something about it seriously she has taken millions of dollars from people why allow her to get away with everything seriously who the heck is she!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX Coinbase closed my personal and business accounts with them. While my business account had a zero balance, my personal account had a balance of XXXX. I followed the on-screen instructions to have these funds returned to my bank account but after submitting the form their website displays the following error message : 'Subtotal ca n't be blank. Subtotal is not a number. Total ca n't be blank. Btc ca n't be blank. Payment method ca n't be blank '. I emailed the company on XXXX XXXX XXXX and received a reply on XXXX XXXX XXXX stating they would investigate. All further emails have resulted in a template reply or no response at all. Their site is still broken and I still can not retrieve my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXL Account # XXXX, XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have spoken with Experian and it seems that their fraud alert has begun to hold my credit hostage even from me. I have made several changes with a customer service representative only to not be helped, lied to and then told that I can not access, make changes or even update my own account information on my credit report. They have caused me to lose a financial deal as well as financing of a car even when I'd spoken with someone to make these changes and promised that it was. These people and this credit agency are scumbags.