23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

X/XX/2017 I received a response to the last complaint that I submitted. The response was that the bank will lose too much money to sell it at market value with the liens, closing costs and commission. I asked for a counter offer, or an amount that the bank is willing to accept so I can list the property at that value. The bank refused to give a counter offer or a number that they are willing to accept. -The banks reasoning is that market values, closing costs, and commission changes regularly. -There has to be a number that they are willing to accept or they will accept anything. There is a threshold and refusing to tell me that has seriously hampered my ability to short sale the home in a timely manner. -This has forced me to do a deed in lieu instead of a short sale. -I will be watch this property closely and if it sells for less than 68k I will be bringing a suit for Tortious Interference and Deceptive business practices. -I have tried to short sale the home with this handicap for 22 months. - I was very hopeful that the offer matching the market value would be accepted.
Product: Checking or savings account

I am a recent victim of a scam artist. Something I didn't even fathom would happen to me. I sold some furniture on line and the person paid me with a certified check and because of the amount XXXX {$1800.00} deposited on XX/XX/XXXX ) they needed me to take out the fee of the furniture ( {$450.00} ) and send the {$1400.00} ( sent XX/XX/XXXX ) to the movers to cover fees. I didn't think anything of it because many companies move employees and will send a check as payment. The next day ( XX/XX/XXXX ) I get a bank notification of my account balance of being XXXX in which I am devastated. The person of course can't be reached at all. I called my bank, XXXX XXXX XXXX and made them aware of the situation and the told me because it was through XXXX there was nothing they could do. I have some upcoming payments that will cause me overdrafts fees and I don't get paid for another two weeks. Not to mention I planned on taking care of other household needs with that money including moving for next month.
Product: Credit card or prepaid card

2 charges made on XX/XX/2019 for {$91.00}. called and filed dispute. Received letter on XX/XX/XXXX acknowledging dispute and letter XX/XX/XXXX asssigning case # and a form to fill out which I did and returned. Letter XX/XX/XXXX & XXXX again mentioning dispute and case # 's. 
XX/XX/XXXX letter indicating closed account for investigation purposes. Letter on XX/XX/XXXX indicating that I do not need to " pay any portion of the disputed amount ''. Continue to receive statements and was also charged a fee for not paying. Have called numerous times and talked with dispute department and fraud squad and still nothing is solved. 
In the meantime I am being billed and charged fees. The company is Barclay Card.
Product: Checking or savings account

I opened a checking account with {$1000.00} as initial deposit on XX/XX/XXXX and made three direct deposits by XX/XX/XXXX. The bank had advertised that if I made two direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft:XXXX XXXX XXXX - OPENED XXXX 2019 - $XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX ( account # XXXX ) has violated my rights. Please delete this account from my credit report. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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: Debt collection

I purchased a car in XX/XX/XXXX it was a XXXX XXXX and it was a total loss in XX/XX/XXXX, My Insursuce paid the depreciated value, Then there was a balance left which I had Gap Insursuce to cover the balance, But Santander Consumer USA didnt file a claim for it. They were trying to make me pay the balance So they ruined my credit with it by putting a charge off on my credit report
Product: Vehicle loan or lease

In XXXX of XXXX I entered into a retail installment contract with XXXX XXXX XXXX to purchase a vehicle. The vehicle began to break down shortly after. I took it to a mechanic not knowing this voided my lemon law rights. I contacted United consumer finance ( the financing company ) in regards to my truth in lending disclosure of which I never received. I then sent them a letter detailing my rights of rescission, to which they failed to respond or act upon. I made the vehicle available at my residence for a full 30 days and sent a follow up letter stating this right again and requesting a cease and desist. I have not missed one payment until this month. To which I received a text and phone call after their receipt of the cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Why don't my statements match the account transaction history that was sent by XXXX XXXX?
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I received a debt notice that is obviously not mine. I have tried to contact the associated law firm but I have only gotten voicemail. This is for a missing XXXX for a high school student that is not my child. I believe that this debt is fraudulent, and I have to question the validity of any other debts that I may or may not be responsible for in their office. The document clearly shows that this debt does not belong to me, and they are threatening to sue me over it. 

The law firm 's name is Primus Law, PC. Lawyer 's name is XXXX XXXX XXXX. I requested any and all paperwork they have regarding my supposed debts, which I received on XX/XX/ ( file number XXXX ). ID # XXXX with XXXX XXXX XXXX as the debtor. I know this document was researched by this firm because they sent me a scanned copy of it. It clearly lists who the debt belongs to, but for some reason my Wife 's name is hand-written on the copy with a false phone number. I believe that this is a predatory operation and I question the legitimacy of their law license. 

Anyone who is literate will immediately understand that this is not my debt. 

Please contact me at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing multiple incorrect addresses that I have never lived at on my credit report. When I attempt to dispute that personal information as incorrect, Experian is refusing to allow me to even dispute the addresses. They are forcing me to call collection companies to dispute the incorrect information with them rather than Experian performing their own independent accuracy check which they are required to do under the Fair Credit Reporting Act. Experian is also attempting to coerce people into not disputing incorrect personal information by saying it does not affect your credit score ; however, the incorrect information on their credit report about my address history has resulted in my being rejected on multiple rental applications ( losing housing fees and being unable to find somewhere to live ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$8900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Wanted to build credit and looked into Loqbox for a secured credit builder loan. Filled out all information online but after submitting application changed my mind and did not send any money to the company or have any money debited from an account to secure and start the loan. Have disputed multiple times with all 3 credit bureaus regarding account was never opened as Loqbox continues to mark my account with 30 and 60 day late payments and acct closed after. There are different date if last activity on all 3 credit reports, one open status, 1 closed, and 1 paid. Payment hx are all different as well with payment is current... .This account should not be on my reports as it was never opened. I never physically signed with my signature permission to activate the secured loan. Says original balance is {$600.00}. How can I have a balance without securing the loan with my money? The late payment remarks are hurting my credit terrible for a loan I never had.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$700.00} XXXX  XXXX Balance : {$700.00} XXXX XXXX Balance : {$700.00}
Product: Debt collection

This debt collector called me, my employer and my minor daughter. When told to no longer contact or speak to my minor daughter, they stated they would not agree to not call her. They gave out personal information to others. They have also threatened to get me fired. They have in the past threatened my parents as well.
Product: Credit card or prepaid card

I initiated a payment dispute on XX/XX/XXXX through US Bank for a {$260.00} pre-payment made on XX/XX/XXXX to a merchant that I have not received services for. The services were never delivered and was supposed to be deliver in XX/XX/XXXX. US Bank reviewed my and dismissed my case claiming I need to contact them within 60 days after the error. While the payment date was XX/XX/XXXX the service was supposed to occur in XX/XX/XXXX which mean I am within 60 days. US Bank cardmember services team did not do their job properly and failed to understand chargeback management to the detriment of their cardholders. US Bank did not act in the best interest of their customer and prohibit cardholder from initiate payment dispute. US Bank should side and protect their customer from incorrect transactions and let the payment dispute run through the card network for resolution.
Product: Debt collection

In  XXXX  of  XXXX  I was rushed to the hospital by  XXXX . I am a unemployed  XXXX  veteran who only care it thought the VA and only income is my VA benefits. I worked out a payment plan with the hospital and was paying the City of Washington  XXXX  sporadically when I had extra money. When I had completely paid the hospital bill I contacted the City of Washington  XXXX  in  XXXX  to find out my remaining balance and to work out a payment plan. I was informed at the time that my account was being handled by Data MAX ICC I asked for a printout for my payment history which was faxed to me by Washington  XXXX . I was thanked for my wiliness to pay. My balance was  XXXX . I contacted ICC as instructed my Washington  XXXX . The  XXXX  was very nasty she informed me that I owe over  XXXX  dollars I informed her that I had a Printout for  XXXX  and proof of my current payment that indicated that it was not. After getting the mailing address to forward my payment and the rep updated my contact information She called on a regular bases to harass me and to remind me of the 200+ balance Her tone and abusive bulling lend me to tell her not to call me again and I will deal with the  XXXX  directly I was informed that my state income taxes will be garnished and I believed that ICC have garnished my state taxes for  XXXX  due to the fact I was informed that I will be receiving a lesser amount and will be notice in 10 day the reason.Nevertheless I made phone called back and forth to both the collection co and the  XXXX   in a  effort to work out this problem at that time  XXXX  continue making payments I made two payment of  XXXX  in  XXXX  and  XXXX  of  XXXX  I had a check made out for what would have been my final payment to the collection co for  XXXX   XXXX , however a phone call made to the  XXXX   ( I ha d made a total of  XXXX  call trying to get this resolved ) revealed that they were not getting payment from ICC. The rep for  XXXX  stated that they have also reached out to ICC to help me resolve this issue and felt they were right. Which does n't make sense since ICC worked for them. I was told that I was not the first to complain about ICC. This whole ordeal depressed me to the point I stopped trying until now. I have included some attachment however the bank does n't keep older files
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom This May Concern : Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX I am a victim of an XXXX XXXX ( see attachment ) and here is the proof. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. My information was impacted, and they refuse to remove the information by the XXXX XXXX ( see attachment ). All 3 credit bureaus XXXX, XXXX and Transunion needs to remove this negative information as I was a victim of this data breach. 

XXXX XXXXXXXX XXXX and XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers with this information.
Product: Money transfer, virtual currency, or money service

Cash App is forcing me to pay {$5.00} or {$50.00} to obtain a new debit card even though my old one expired. I must " order '' a debit card ( " Cash Card '' ) to be able to spend the balance on the {$30.00} Cash App XXXX XXXX for XXXX that I received. Cash App refuses to refund the gift card value to cash, and also refuses to issue a free replacement debit card, even though their website clearly states that " The XXXX XXXX is a free, customizable debit card that is connected to your Cash App balance. '' There is no free way for me to obtain the card.
Product: Mortgage

Please forgive me, however, these documents would not open to be submitted with COMPLAINT XXXX filed about 2 hours ago.

Uncertain IF it was your system ( as this has happened on prior occasion ) or IF my computer. 

However, these are an extension of the above referenced complaint. 

Thank you for understanding XXXX XXXX XXXX
Product: Checking or savings account

I had money sent to my via XXXX to an account with a positive balance. I sent that money over to my savings account and the next day ( XX/XX/XXXX ) my money was gone. I was told it was an error triggered by the system and that I would receive the money back into my checking account, which I recorded the conversation and confirmation of this just to be told the next day that everything is valid and that my money is gone because of negative account balance that was less than the amount I was sent via XXXX. My account balance was not negative and even if it was, there would still be a difference that I am owed which they refuse to acknowledge. Chase bank have done this to me before and I have evidence of them stating Id get my money back just to be told its gone the next day. Ive researched online and many people have had the same experience as me and its unacceptable. The least that can be done is to get my money back so I can close my account and bank elsewhere
Product: Credit card

I am the account owner of a Chase XXXX XXXX XXXX credit card. My wife is an authorized user, and Chase issued separate cards for each of us. Unfortunately, her card was lost or stolen sometime between XX/XX/XXXX, and XX/XX/XXXX. We only became aware of this loss in XX/XX/XXXX when I noticed unusual activities on our account statement. 

Upon discovering the loss, I immediately contacted Chase to report the issue. I identified over {$4000.00} in fraudulent transactions made using my wifes card between XX/XX/XXXX, and XX/XX/XXXX, when the card was officially reported as lost. While we were able to recognize many unauthorized charges, some transactions remained difficult to discern, particularly those made at the same merchants where I used my card, complicating the identification process without Chase 's assistance. 

We made it clear to Chase that every transaction made with my wife 's physical card during the period it was missing should be flagged as fraudulent, as the card was in the possession of unauthorized individuals. Despite this, our case was denied because we couldn't identify every single charge as fraudulent, which we had explained was impractical from the outset. 

This matter has now been ongoing for six months, and despite multiple escalations, there has been no resolution. Throughout this period, I have continued to pay our monthly bills in full, including the charges made by the perpetrators. 

I am requesting urgent action to resolve this matter promptly, as it has caused significant frustration and financial strain.
Product: Credit reporting or other personal consumer reports

Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX.I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX  XXXX  XXXX NY XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX NY, XXXX and XXXX XXXX XXXX XXXX XXXX , NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX . I request that my current address be updated accordingly.

3. Contact Information : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, XXXX, be updated as my primary contact number.

4. Employer : My current job is XXXX XXXX. 

5. My birthday is XX/XX/1984 I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license, Social Security or passport displaying my correct name. 
A recent W2 or bank statement showing my current address.

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

Sincerely,