23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX Inquiry : XXXX XXXX 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX 2022 XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Please see prior complaint ID XXXX, submitted on XX/XX/year> for additional details and history, and XXXX response XXXX Please see prior attachments with that complaint. 

On XX/XX/year> I initiated a wire transfer for {$25000.00} from my personal XXXX  account to my personal XXXX XXXX account in XXXX XXXX XXXX, XXXX. The funds were wired first to XXXX ( domestic bank intermediary ) but never arrived at my account in XXXX. XXXX partners with JP Morgan Chase to provide the wiring services. The funds remain missing. I have numerous emails from XXXX support team advising that I contact XXXX to return the funds. XXXX refused to do so. I subsequently filed a complaint with the CFPB ( see complaint ID above ) and XXXX responded on XX/XX/XXXX, and claimed they returned the missing funds to JP Morgan Chase on XX/XX/XXXX. They recommended I contact JP Morgan Chase to retrieve the funds. I met with a JP Morgan Chase banker in XXXX, XXXX  on XX/XX/year>. I was informed that only XXXX XXXX who originated the wire transfer and partners with JP Morgan Chase for wire transfer services ) can retrieve the funds. I contacted XXXX by email on XX/XX/XXXX requesting them to retrieve the funds, and they responded on XX/XX/XXXX that they can not retrieve the funds, and there is " nothing they can do from our end ''. They advised that I should work with the recipient bank ( JP Morgan Chase ) in having the funds recovered, but also suggested that JP Morgan Chase would have returned the funds to my XXXX  account if truly received from XXXX ( implying XXXX was dishonest in their response to CFPB ). My complaint relates to all parties involved, who have participated in the transfer of funds, and have been unhelpful at locating and returning the funds : XXXX, JP Morgan Chase, and XXXX. However, it is likely that JP Morgan Chase now holds the funds, and I need them to return the money to me, either through XXXX, or by any other mechanism. None of the parties will assume responsibility or take any action to recover my missing money, and I am again " stuck '' between several of the big banks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. 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 written instructions
Product: Credit reporting or other personal consumer reports

Reported incorrect addresses listed and these addresses were not removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I don't and have never lived at the above addresses.

The following jobs were listed, but I do not know or have ever been associated with either job! 

XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the above listings as any previous employer of mine!
Product: Debt collection

collection agency had my phone number, but called my wifes phone multiple times on the same day. she attempted to speak with them, but they would n't reveal the purpose of their call and continued to ask her for information about me. after I called them and requested to file a dispute ( because the original charge from XXXX was not valid ), they indicated they corrected my number and would stop calling while in dispute. 5 hours later, they called my wifes phone again. when I called to complain, they said they had no record of the call, but did show my wifes number was attached to my account and could offer no assurance that system would stop dialing here. 

they only had the account for 4 days and had already called 5 times in one day ( the 5th time being after I talked to them ), and did n't even call the primary number
Product: Checking or savings account

I am unable to use direct deposit to to fees, can someone please reverse the fees for the first time.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies XXXX and EXPERIAN to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness Documentary evidence is NOT photocopies of alleged billing statements from the original creditor. I request that I receive copies of any and all contracts between me and the original creditor and copies of any and all contracts between myself and XXXX. Additionally I am requesting that the consumer reporting agency provide written verification from me that proves I have given them written permission to report this account on my credit report as Also 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. My terms and conditions on my contracts state clearly that these companies will not report nonpublic personal information to non-affiliated third parties. The original creditor, XXXX, XXXX and EXPERIAN are all in violation of the Privacy act of 1974 with the disclosure of nonpublic personal information. Any type of transaction history or account reporting is a violation of that act. 15 USC 1681 section 602 ( a ) states that it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. I have not received any written correspondence from the original creditor or XXXX XXXX in reference to this alleged collection account. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts presumed by XXXX XXXX until XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused by the original creditor, XXXX XXXX, Experian, and XXXX. They shall be liable for violations of TILA, FCRA, FDCPA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. also the statute of limitations on collections for the State of South Carolina is 3yrs as is the statute of limitations on collecting for the State of Delaware where XXXX XXXX is incorporated.
Product: Credit card or prepaid card

I have a Citibank Thank You Preferred card. I was attempting to purchase an international flight, and apparently my account was flagged for fraud. I called the toll free customer service number to resolve, but was told that this would be impossible because my number did n't match the one that 'they have in their systems '. Funny thing is that, on my online account, it clearly lists the last four digits of my number ; the number that I gave them to confirm, and the number that I was calling from. They then told me that they would need another credit card to confirm against with the respective bank that it belongs to. I gave them the card number, and they told me that I would need to wait 24 hours for confirmation. 

I call 24 hours later, and the new person has no idea what 's going on. Gives me the same line, phone number, credit card number, etc. I tell her that I 've done this before, and that I needed a better, more direct solution. She told me that my cell phone number did n't match what they had on file. I gave them my landline number ; they had that one ( the first rep did n't say that ). They say that they 'll call that number, leave a message with the confirmation number, and I 'll need to read that back. Someone is at my house during this time listening for the phone, no call. The rep from Citi said that she called and left a message. 

In the end, I have a frozen account which I can not close, and I can not verify my identity even using the gratuitous amounts of personal data that a financial company such as Citi has on me. I do n't know what to do and Citi is not at all being helpful, and only offering non-solutions to help resolve this problem. 

I stayed on hold for an extended time to get the team-lead 's name and title ( it was a lady ), but she hung up on me after I waited on hold approximately 45 minutes.
Product: Mortgage

I reached o ut to CitiMortgage o n  XXXX / XXXX /   17  to make a bi-weekly payment on my mortgage and to stop the automatic draft that was to come out. This was initiated due to there being  a 50k pl us hold on my checking account. I did this for the next several weeks up until  XXXX / XXXX /   17  when the hold on my checking account was finally removed . CitiMortgage never did st op the payments from being drafted per my request when I made them over the phone for the next several weeks. I acquired numerous fees, some of which have been removed. I sent correspondenc e to CitiMortgage regarding  payments missing from the account on  XXXX / XXXX /   17  and sent them proof of them, but I have yet to have had it resolved. When I corresponded with people on the phone, they could not even match up the payment history that I printed from there website with what they were using. To make matters worse, I received a letter from them on  XXXX / XXXX /   17  saying they were removing me from the equity builder that I had been in  since the 90s per my request. I had not requested this since the lien had been removed from the checking  account. They would not do it when I had asked to stop the payments. I am not yet trying to be put back in the program and am making payments over the phone. I still have yet to have all of my payments credited to the account and no one has addressed the concern faxed to them on  XXXX / XXXX / 17 .
Product: Credit card or prepaid card

This is the SECOND time have had to make a complaint about this unscrupulous company. Earlier this year I complained about their serriptious changing of my reward plan from XXXX on all purchases. This company submitted the XXXX reward program which I will quote : You earn XXXX points for every {$1.00} spent on bookings made at XXXX when paid with your XXXXXXXX XXXX XXXX  Visa Card. Last Friday I purchased an airline ticket on my XXXX XXXX Visa card for {$150.00} o the XXXX website. This entitled me to XXXX reward point. After take a full week to post my transaction ( it usually takes XXXX days ) my transaction was dated a week ago. Just a bit of trickery that this company engages in regularly. I contacted " Customer Service '' and they told me this bit of tomfoolery " Upon review, our records indicate that your transaction on XX/XX/2022 in the amount of XXXX was processed directly from XXXX. This is the reason it did not qualify to earn XXXX points per {$1.00}. '' I gave them the itinerary number and this counted for nothing. 
I wonder if the government will ever hold companies like this to account the way they hold their customers to XXXX  standards. 
XXXX XXXX
Product: Debt collection

While checking my credit reports on experian I noticed two medical collections that do not belong to me. I sent two debt validation letters for each account to the company and both letters were received on XX/XX/2021 and signed for by an XXXX. But since receiving the update from XXXX that both letters were delivered I haven't received any proof or even a response from the company.
Product: Credit reporting or other personal consumer reports

The payment history for this account is inconsistent, with XXXX and XXXX marking all months as 'CO ' ( Charge-Off ), while Equifax shows a mix of 'OK ' and 'CO ' statuses. This inconsistency in reporting misrepresents my payment history and may negatively impact my credit profile. For accuracy and clarity, I request that this account be removed entirely from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

CapitalOne is reporting inaccurate account information to my credit report. 

1. The High Balance differs between credit bureaus.

2. Date of Last Activity differs between credit bureaus.

3. Date Reported differs between credit bureaus.

4. Last Payment differs between credit bureaus.

5. Credit Limited is missing 6. Closed Date differs between credit bureaus.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Product: Vehicle loan or lease

I purchased the vehicle threw Westlake fin 6 mouths latter the motor went out and it was put in the shop and after further investigation they found it was a defective motor. So I left the vehicle at XXXX XXXX in XXXX XXXX were the vehicle was purchased. please look into this matter as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not XXXX. 
comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

XX/XX/2019 I paid {$1400.00} to Ditech Financial LLC for my mortgage, on their website. 
XX/XX/2019 Ditech emailed me that the payment was not honored. 
XX/XX/2019 I called my bank and Ditech because I had sufficient funds. My bank confirmed that the {$1400.00} payment never presented to the bank, and I had sufficient funds. Ditech took my payment over the phone and admitted to " glitch '' in their website. 
XX/XX/2019 Ditech sent a certified letter accusing me of " non-sufficient funds and threatened fees, contractual rights and equitable remedies. '' XX/XX/2019 I called Ditech to get to the bottom, and facilitate a second conference call with my bank. Ditech reversed the NSF fee and told me that the matter was resolved. 
XX/XX/2019 Ditech generated another threatening letter after my call indicating that the issue was turned over to a debt collector. Why would they do that after they reversed the fee? I have paid all of my mortgage payments and there are no late fees or payments outstanding. 
XX/XX/2019 I mailed a certified letter with supporting documentation that my bank never received the request for transfer of {$1400.00}, and my bank has not charged NSF to my account. 
XX/XX/2019 Ditech mailed another letter requesting more bank documentation showing sufficient funds. The latest letter changed all of the dates and amounts of payments and NSF claims. They are completely confused about the entire situation, but I have documentation of each email and letter. 
XX/XX/2019 I mailed additional documentation to Ditech in AZ and also the CEO in PA. I also filed a complaint with the XXXX. I am exhausted with Ditech harassing me for a payment that I made on time and they admitted to botching the processing of payment. I have spent so many hours waiting for a Ditech rep or manager, and creating conference calls, that Ditech is causing much distress and I am wondering if I need to contact the media or an attorney. Please help me. I am a XXXX vet, a XXXX XXXX and a upstanding citizen paying my bills on time. I shouldn't be harassed when Ditech 's website has a glitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX {$20000.00} Called and sent dispute letters they said they were removed no actions have been taken. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX {$3000.00} called and sent dispute letters they said they were removed no actions have been taken XXXX. ) XXXX XXXX XXXX Account number XXXX XXXX, XXXX {$7000.00} Called and sent dispute letters they said they will removed no actions has been taken. 
XXXX. ) XXXX XXXX : account number XXXX {$26000.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions were taken XXXX. ) XXXX : Account number XXXX {$4500.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX : Account XXXX XX/XX/XXXX {$30000.00} card and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX bank account number XXXX for XX/XX/XXXX {$30000.00} card I sent a few letters they said they will be removed no actions have been taken XXXX. ) XXXX. XXXX XXXX account number XXXX {$130.00} XX/XX/XXXX XXXX and sent disputes they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX {$8100.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) Still in XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX {$1300.00} caught and sent to spill I said this will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX  account number XXXX XXXX XX/XX/XXXX {$1000.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) So XXXX XXXX XXXX XXXXXXXX see XXXX XX/XX/XXXX, $ XXXX {$520.00} I have called and asked for this to be removed they said that it would be removed no further actions have been taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I found several unfamiliar credit inquiries on my credit reports, I have already contacted the company via phone & letter ( mail ) & no response. I have notified the credit bureaus as well. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan through XXXX XXXX XXXX XXXX. 

They are reporting XXXX, XXXX and XX/XX/2019 payments as being late. 

I have reached out to them with proof of payment but still no change. 

I have conducted multiple disputes with Experian ( credit reporting ) with NO update or change. 

This is preventing me from obtaining a home loan and I need assistance getting this information updated.