23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am having significant issues with the seven year fraud alert the credit agencies are to use once you have been a victim of identity theft and filed charges. After the alret was placed on my SSN - The same person used it again ( after the alert was placed on the account ) to apply for a job. The credit agency - EXPERIAN - shared my personal information with XXXX ( background check ) - who then sent a copy of my information to XXXX XXXX XXXX ( job applied for ) and the applicant. The alert did nothing to prevent this from happening or protecting my confidential information. When I called and spoke to XXXX XXXX and Experian its like kindergarten - no one did it. Experian not only provided this company with information but the theft used his own name and they sent the information to XXXX with AKA ( my name ) - like we are the same person! After I had gone through all the phone calls, getting the security alret on my ssn, police reports, court appearance etc.. and they still did nothing to protect my information. They actually helped him do it by stating AKA ( my name - and im a female! ) As a victim of identity you should not be treated like an criminal or an idiot and thats exactly what Experian ( especially ) has done. I called Experian and spoke to several people - passed from person to person and no one had an answer - they also lack good customer service.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account number ( XXXX Credit Acceptance Corp ) as I have no knowledge of this account ( XXXX ) denied to follow up with this investigation. I was recently notified that CFPB has filed a Lawsuit against ( XXXX ) they alleged the company of accepting unreliable information. So XXXX failed to notify consumer dispute results. This aligns well with my situation! I have put many disputes in for this creditor & XXXX failed to resolve & move it off my credit report they have not even attempt to remove nor correct any information. Im highly requesting this derogatory remark be removed or corrected immediately as this is highly affecting my chances of getting, my apartment & other things. XXXX violates my rights as a consumer, as well as Federal laws.
Product: Mortgage

After purchasing a home with a VA loan my wife and I have received a number of refinance letters from loanDepot.com LLC. We have never had any business dealing with loanDepot.com and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XXXX XXXX loanDepot.com has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX EST. They agreed to stop sending letters. However my wife and I have continued to receive letters from loanDepot.com, with the latest received yesterday ( XXXX XX/XX/2021 ).
Product: Debt collection

A letter was sent from my previous landlord telling me I owed money that I was being unfairly charged. They did not provide a due date for this money, they did not provide a way for me to pay this debt and they did not inform me that/when they would be sending my account to collections. I attempted to log in to my resident portal, but the account had already been locked, so I was unable to get in to make a payment.

I informed the collection agency of this unfair notification, and, after waiting for one month on dispute, they returned stating the information they had was valid, but provided no proof of this or explaination.
Product: Debt collection

I am writing to formally complain about the actions of Persolve Legal Group, LLC concerning an alleged debt they claim I owe. Despite multiple requests for validation, Persolve Legal Group, LLC has failed to provide the necessary information as required by 12 CFR 1006.34 ( b ) ( 5 ). Moreover, they have improperly placed a collection entry on my credit report without adhering to the required procedures. I am particularly concerned about the following violations : Failure to Validate Debt : Persolve Legal Group, LLC has not provided validation of the debt as required by law, which includes details about the original creditor and account number. Failure to Afford Dispute Opportunity : I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Violation of Reporting Requirements : They have reported this debt to consumer reporting agencies without fulfilling their disclosure obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). I am requesting that you take the following actions : Immediate Removal of the Collection Entry : Ensure that the incorrect collection entry by Persolve Legal Group, LLC is removed from my credit report. Cease All Communications : Direct Persolve Legal Group, LLC to cease all forms of communication with me, including email, text messages, and phone calls, as I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to revoke these methods of communication. Provide Proof of Compliance : Require Persolve Legal Group, LLC to provide : Validation of the debt, including details of the original creditor, account number, and supporting documentation. The purchase agreement with XXXX XXXX XXXX and any related documentation showing that Persolve Legal Group, LLC had the authority to report this debt. Proof of licensing and bonding to operate as a debt collector. A certified mail receipt proving that I received proper notification regarding this debt. I did not receive the necessary communication or validation and dispute opportunities, so it is crucial that this collection entry be promptly removed from my credit report. Thank you for your immediate attention to this matter. I trust that you will ensure this complaint is addressed promptly and that appropriate actions are taken to rectify these violations.
Product: Credit reporting or other personal consumer reports

I am disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit card or prepaid card

Chase offers Price Protection coverage. Upon submitting claims, the processor 's claims staff look for invented reasons to deny claims and use shifting reasons for denial such as : the words " Add to cart '' being cut off ; a copy of physical catalog which shows the available sizes and color inadequately showing which size was " selected, '' something impossible with a physical catalog ; the computer taskbar time not being legible despite the submission also showing XXXX 's stated time, date, and location when searching " time '' ( the claims staff state that only taskbar time is accepted despite that not being in the program terms and a system clock being easily edited compared to XXXX 's clock ). 

It appears that the processor exploits its discretion to invent reasons to request additional information from consumers. It knows that most consumers won't follow-up or can't capture the missing information because the competitive sale offering has already ended. Then after 60 days the claim can be denied for lack of the consumer following up timely to hide the nonsense reasons that led to the claim denial in the first instance. Effectively, this is a consumer fraud because the processor could detail all the information it requires in advance but instead relies on after-the-fact discretion. Further, the processor knows that there are finite pixels on a computer screen and there is only so much information a consumer can capture on a screenshot when webpages are designed for scrolling and information is not clearly requested in advance. Similarly, print catalogs only contain so much information. Ultimately, Chase offers a " benefit '' it knows it will not have to pay on. Chase intentionally uses a claims processor instead of an insurer so that the entity is not licensed by and accountable to any state insurance regulator. The insurance underwriter isnt processing the claims. CFPB is the only avenue for  consumers to get help. 

I spoke with customer service ( XXXX ), a supervisor ( XXXX ), and a manager ( XXXX ). The claims review staff argued many of these points with the manager who himself didnt seem to agree, but is obliged to yield to the XXXXlaims Examiner Management Team. 

I claimed claim numbers : XXXX ( {$7.00} - approved ), XXXX ( {$22.00}, increased to {$38.00} ), XXXX ( {$17.00} ), XXXX ( {$4.00}, increased to {$19.00} ), XXXX ( {$20.00} ), XXXX ( {$42.00} ). I will submit additional claims information if necessary. In total, accounting for increased claims, I claimed {$140.00} of which {$7.00} was approved. I request Chase be made to pay me the {$130.00} on these valid, unpaid claims. 

CFPB should investigate this program as it seems Im not the only consumer who has experienced nonsense reasons for denials and CFBP complaints have been filed by other Chase customers.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery has called me several times requesting a debt I dont know about. Secondly, I requested validation on the debt but have not received anything.
Product: Checking or savings account

I had opened my cash app account in XXXX for my wedding in XXXX and my family sends money to this account for my wedding so that I can have a nice wedding, so this was my savings account, check my account and no funds are in my account, I need all my money back before my wedding please please help.
Product: Debt collection

On XXXX XXXX, 2015, company named Contract Caller Inc. called in regards a debt owed by XXXX XXXX of {$200.00}. I contacted XXXX that I had received {$100.00} towards this debt and mailed a check from an outside source. Only owe {$100.00}. I responded that I did n't have the funds to cover the rest of balance. Upon explaining, the party stated to me that I must overlook my responsibility and how do have I been paying my bills. Totally disrespectful and unprofessional. Called a second time on XXXX XXXX, 2015 with the same questions. I asked did n't you call on the day before, response was that they were n't sure. I stated that they had. I do not dispute that I did n't owe the debt. Constant calling is annoying. Collection agency called Contract Caller Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX. Phone # XXXX
Product: Bank account or service

I tried to make a purchase on XX/XX/XXXX from a specific website. The website is XXXX based so my account was immediately blocked. The transaction timed out and did not go through from the website. I did n't receive a receipt or confirmation so I went online to my bank account to check and saw this : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/2016 PURCHASE XXXX XXXX {$88.00} The funds are in pending status. I called Wells Fargo Claims XX/XX/XXXX and spoke with a rep who said that there was nothing he can do about releasing the funds because it is under Pending status. He advised to call the company to have them release the transaction. 

I emailed customer service at the company and this is their response : Hi dear XXXX Thank you for contacting the XXXX. 

Unfortunatelly we do not find any information in our system with the email : XXXX. Can you please send us a proof of the payment? 

I am very happy to help! 

Kind regards, XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXXXXXX The company above does not have phone customer service. I provided the transaction details through copy and paste like the above to the company 's rep in response to them. Still waiting to hear back. 

I tried calling Wells Fargo Claims department directly since that time XX/XX/XXXX. 3 days has passed since I tried to make the transaction and I 've had to wait up to 20 mins or longer and have been unsuccessful with getting anyone on the phone. The Claims department at Wells Fargo is unwilling to release my funds back to my account and there is no way to reach them. I 've tried calling 4x now and each time waited 20+mins and no one answering. This is unacceptable service from a large bank.
Product: Credit card

After checking out at the hotel ( XXXX XXXX on the hotel zone ) in XXXX, the bell boy called a taxi to take us ( my XXXX  and I ) to the airport, who informed us that the fare would be {$45.00}. When we arrived at the airport, we wanted to pay the taxi driver in cash but he didnt have change, so we gave him {$40.00} dollars ( 2 x {$20.00} bills ). The airport employee who was stationed outside the airport by the taxi area gave him the remaining {$5.00}, and told us that he will charge that {$5.00} on my credit card, this way we are even. I agreed and gave him my credit card. He had a little handheld card scanning device and was attempting to use it but he said it did not work. Thats when another employee showed up with his little handheld device to charge my card the {$5.00}. I received no receipt but I was under the impression that I was being charged {$5.00}, the amount that I was supposed to reimburse the worker for.

My XXXX  and I went inside the airport, went through security already when I noticed the emails from CapitalOne bank regarding the possible fraudulent charges. There were two large amounts on our account. One was {$920.00} and the other one was {$1700.00} I had right away disputed those charges as they were not valid.

They were supposed to charge us {$5.00} and instead they had charged us a total amount of {$2600.00}
Product: Credit card

on XX/XX/year> i was notified by Home Depot CC asking if i made a purchase in XXXX Texas, i stated that i did not. i live in XXXX. they said they would cancel the charge. i requested that the account be closed. i did receive email confirmation of the account closure and the fraud charge. 
i am now being billed for over {$600.00} in charges on the closed account from purchases made in XXXX Texas. 
when i contacted them, i was told, the fraud did not get over to billing. 
i then contacted fraud dept. they said the investigation was never started. they would go ahead and start it now, and it could take XXXX days. 
i ask them to send me a statement that i have a XXXX balance and i am not liable for the amount, i was told they can not send that out. billing has to do that. 
i am worried about my credit rating and payment history, which is impeccable. 
i should be able to receive ample documentation from them stating the results of the investigation and the confirmation of the closed account and XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I have submitted to the agencies over and over again about my personal information.The only address should be on file is XXXX XXXXXX/XX/XXXX XXXX Nc XXXX. There's no other spelling in my name besides the one above.
Product: Debt collection

After recently moving and providing new address lost my job and made Credit Central aware of loss of job with promise to continued payment once I got a new job. Still not working. Within one week of notification of loss of job my cell was turned off. They started calling everyone on my referral list and someone provided my mother 's # to them. They call her # every day, my mom is XXXX and has repeatedly requested for them to stop calling her. Then 3 weeks ago a man showed up at her house and verbally threatened her, she called the police but they could n't find the guy that came to the door. Then 3 days later a woman showed up, she again requested for them to stop coming to her home and made them aware she has XXXX. The lady left. Tonight at XXXX a XXXX XXXX ( same guy from before ) came to her door and tried to force himself into her house, verbally threatened her and she called the police, the police came and basically just told him to leave. I have repeatedly requested for them to stop calling her and I have requested on more than one occasion for them to provide documentation on how much is still owed if anything, but have never received any such documentation.
Product: Credit reporting or other personal consumer reports

Equifax is violating consumer laws by reporting INACCURATE ACCOUNT information on my credit report. I have made multiple attempts to have these inaccurate reports removed and I have been unsuccessful 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

There are 5 accounts which are reporting erroneous duplicate items for the following amounts. 

{$5900.00}, XXXX and XXXX {$21000.00} XXXX and XXXX XXXX XXXX and XXXX {$33000.00}, XXXX and XXXX {$20000.00}, XXXX and XXXX these accounts are from XXXX XXXX XXXX XXXX XXXX I have enclosed a copy of my credit report please examine and remove immediately
Product: Credit card or prepaid card

I had an account with Citi Bank in the past, and now just applied for the Citi XXXX credit card, since my credit score according to my XXXX XXXX XXXX reported an excellent score of XXXX. The credit application was denied, however, and the letter stated that my credit score was XXXX, XXXX points below the actual credit score. Citi customer service told me that they use XXXX to calculate scores. I created an XXXX account and found out that the {$14.00} currently charged on my active XXXX card was represented by XXXX as a negative debt, and my student loans ( Dept of ED and XXXX ) from eight years ago were still listed as having been settled at less-than-full-balance, but were actually paid in full as part of a prior CFPB complaint. That complaint was related to a XXXX XXXX I had as a student and which the student loan department refused to give me an accommodation for the XXXX I developed, and so trying to file the corrections on the credit report is causing me to XXXX XXXX XXXX XXXX XXXX and I request accommodation for my XXXX by having those student loans marked as paid-in-full without me having to deal with the student loan company that discriminated against me. The XXXX XXXX line of credit was also settled in my favor through another CFPB complaint and I would like that complication to be disregarded from consideration of the XXXX card. 
Ultimately, I believe that my past, entirely positive credit history with Citi bank, my active XXXX card, and the eventual payment of all my debts due to complications beyond my control, and my correct credit score of XXXX means I should be approved for the Citi XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

My servicer Ditech whom I have made several complaints and they do respond with a person to contact - but when you call this person they NEVER call you back! We faxed over what they asked about being on this do not call list which we never put them on, and when we call we get the same statement saying oh you are on our do not call list. So to save our home we went through NJ hardest hit fund. Ditech was in touch with this program and we closed on XX/XX/XXXX. We were required to bring XXXX to closing and NJ hardest hit paid {$48000.00} to arrearage. We were told by NJ hardest hit fund and the closing company that this would bring us current and our first mortgage payment would be XX/XX/XXXX for XXXX and some odd cents. They told us Ditech would reach out to us with a reinstatement package ( that never happened ) never heard from them and when we called they stated we owed 2 months {$3700.00} saying we owed XX/XX/XXXX and  XX/XX/XXXX. We spoke with XXXX NJ NJ Hardest Hit fund and they said this was innacurate. When calling Ditech they give us no info telling us only one person deals with this and all they ever say is they are emailing him. NJ hardest hit fund had to get back involved and they called Ditech and they said they have to research. This is a Federal program and Ditech again is not doing the right thing. when I try to reach XXXX XXXX ext XXXX it is like she doesn't exist. Now we just received our statement for XX/XX/XXXX and it says we owe {$5700.00}. They are not complying with this program and pushing us behind again after a substantial payment was made. This is unacceptable the way they do business. I would like to know how they are going to investigate this, and where did the {$57000.00} get disbursed to. If my closing was XX/XX/XXXX why wouldn't XX/XX/XXXX payment be included, that is the end of the month. NJ hardest hit fund said ditech needs to follow protocol and so far they are not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with ID theft for some time now! It has become extremely difficult to work with the credit bureaus when disputing things. The account that I am about to list is another one that has pop on my credit file that does not belong to me. 

Please see account reporting on my Experian file XXXX XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo refused to provide protection of my funds while using XXXX.