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

It appears that on XX/XX/XXXX credit of {$1000.00} was extended fraudulently and a purchase for that same amount was made at XXXX. On XX/XX/XXXX I received a card in the mail which I did not apply. That night I notified the card agency and they indicated that they would send an affidavit for me to complete and return. The affidavit was dated XX/XX/XXXX although I did not receive it until later in the month. I filled it out and returned it with a copy of the police report. This was mailed certified with a return receipt on XXXX and returned within the 20 days as requested. As of today XXXX the account has returned to my credit reports and I have submitted the police report to the credit bureaus and will once again issue a dispute regarding this account.
Product: Checking or savings account

I opened a savings account with Citibank on XX/XX/XXXX Initiated two deposits {$5000.00} and {$500.00} from two separate checking accounts with two separate banks on XX/XX/XXXX. 

On XX/XX/XXXX I received an email stating that my account was closed due to a violation of the terms of my account. ( other than these transfers and setting up paperless billing, I did nothing else to this account ) Called Citi on XX/XX/XXXX to see what had happened. They told me nothing except that my account was locked, I have to wait 60 days to access my funds. They said there was suspicion of fraud, but would not even tell me why my account was locked. 

I received my Citi debit card approximately XX/XX/XXXX. 

Called Citi again on XX/XX/XXXX as unexpected expenses have arisen, and I need access to my funds that are being held by Citi. I received the same response as before, wait 60 days and they will not tell me why my account was locked in the first place. I asked to speak to a supervisor, I was told none were available. I asked when one would be available, so the call center employee took my number and said one would get back to me. Based on my current experience with this company 's customer service department, I assume this call will never happen and decided to file a complaint with CFPB.
Product: Checking or savings account

Hello, I was scammed on XXXX website by this impersonator XXXX on XX/XX/XXXX. This person posed as working for XXXX and asked for my card info in order for me to make a sale which misled me and was deceiving as this led me to giving up my card information. Once I clicked on the link, a screen became available asking for my card information to receive payment. Once I put in my card the chat bot said they will inform me of the next step to receive payment. I then received a text message at XXXX to enter a code for XXXX and then that is when {$320.00} was deducted from my Navy Federal checking account. I asked the chat bot asking why was money withdrawn from my acct and to send it back. The person responded it was a test and would send the money back. I told them it was fraud what they did and Navy Federal sent me a text message asking if I authorized the charge and I said no. I then spoke to Navy Federal and they blocked my card to prevent any more money being withdrawn and I went inside the branch to get a new card. On XXXX, Navy Federal ruled in favor of the scammer taking the money out of my acct and said they exhausted all of their attempts to get my {$320.00} back. Navy Federal advised me that the merchant said I paid for goods or services. I advised Navy Federal I do not know this person, they scammed me online posing to work for XXXX, I have no idea what type of goods or services they offer, never received any goods or services nor did I get a receipt for goods or services. Navy Federal did not properly investigate my claim. I provided Navy Federal all of the proof, I have messages between myself and the scammer. The scammer admitted they would send back my funds and it was a test, but on the other hand told their bank that I purchased goods and services from them. Navy Federal has the proof I send them confirming this was a scam. Navy Federal claims department swept my claim under the rug and turned a blind eye to me being scammed and never did properly investigate my complaint and rule in favor on my behalf of the claim I filed. Navy Federal took the funds out of my account on XXXX and sent me a letter saying they could not recoup the funds for me when again, they have proof of the conversation with me and the scammer. I even called Navy Federal on XX/XX/XXXX and the representative looked at the evidence I produced and was shocked that their claims department did not rule in my favor and provided me with possible solutions on how to resolved this as to reopen my claim. I send another message to Navy Federal on XX/XX/XXXX to reopen my claim and they did not. I even sent XXXX XXXX a copy of the report I filed reporting the scam on XX/XX/XXXX online to the XXXX XXXX XXXX XXXX mentioning all the details of how I got scammed online. Navy Federal overlooked all my evidence and ruled in favor of someone scamming me when I am their customer. I am highly dissatisfied with the level of support I received from Navy Federal on behalf of me to recoup my funds knowing I was scammed and allowed the scammer to get away with it.
Product: Vehicle loan or lease

I had XXXX call XXXX today and they said he had a separate loan he was calling to update my application so I talked to a agent I explain what was going on that I needed to change so things he said he would update it for me I gave the information he stated that I needed to send a copy of license because it was not clear I said okay he stated someone would call me to go over new rates I believe this is racial profiling my application was incomplete I have confirmation I have till the XXXX XXXX to reply I update my info I also have a co signer also on application
Product: Debt collection

Pentagon Federal Credit Union / Pentagon XXXX is attempting to collect a debt that was included in a bankruptcy, paid in full per the plan and discharged ( Case XXXX ). After many months of disputing this tactic with Pentagon Federal Credit Union with the credit reporting bureaus, CFPB, and the US Department of Justice, Executive Office of the US Trustees was Pentagon Federal Credit Union 's attempts to collect discharged debt was halted and incorrect credit history corrected. 

However, Pentagon Federal Credit Union is now re-attempting to collect the discharged debt by labeling the account as having a past due balance and being a charge-off. XXXX still reports this account as such on my credit file. XXXX and XXXX have corrected the account to show included in a chapter XXXX bankruptcy and with a {$0.00} balance. 

Attached is the Chapter XXXX Discharge notice that has been sent to Pentagon Federal Credit Union multiple times ; and how XXXX is incorrectly recording the account per Pentagon Federal Credit Union and its attempt to collect the debt.
Product: Debt collection

TD Auto Finacial was sent a request to send a lien release for a XXXX XXXX XXXX XXXX. TD Auto Finance sent a paper copy of the Lien Release with a postmark XX/XX/XXXX. TD Auto Finance however refuse to remove the Electronic Lien and Title Release with the Department of Motor Vehicle.
Product: Credit reporting or other personal consumer reports

Greetings, My name is XXXX XXXX, I am currently writing a complaint regarding the credit reporting agencies reporting inaccurately. Experian XXXX XXXX and all other consumer reporting agencies. Please see attachments. 

Please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXX NY XXXX Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. Attached is my Drivers license as well. Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. 

Also please honor all on time payments, As Any credit reporting regardless of on time payments is still a violation of privacy. Privacy Act of 1974 prohibits. Monetary relief is requested upon this claim for all CCTs reported. including the reporting of XXXX XXXXXXXX bankruptcy XX/XX/XXXX and XXXX  XXXX bankruptcy XX/XX/XXXX, continues to report. Ive Never given any written or authorization to report. This is heavily in my way of utilizing the full faith and credit the United States backs me with. 

Refer to : 15 U.S. Code 1681a - Definitions ; rules of construction 2. EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : 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
Product: Credit reporting or other personal consumer reports

I submitted a request for you to remove items on my report on XX/XX/XXXX, and XX/XX/XXXX. I am a victim Identity theft and these accounts should not be listed on my credit profile. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Please remove these accounts from my credit report. Accounts are XXXX XXXX XXXX XXXX XXXX XXXX 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

The other credit bureaus like XXXX and XXXX have removed my Bankruptcy that was reported back in XX/XX/2010, However Equifax will not remove my Bankruptcy have several request to do so. It should be remove. They will not provide me any type of date when this will be removed. I am tired of dealing with them and this is still on my report after 8 years is still hurting me. Trying to get a home etc. I am still living in apartment because of this. If the other follow the same guidelines then i believe Equifax should do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has re-added a previously deleted account. As of XXXX 2017, XXXX XXXX was no longer appearing on my credit report. Suddenly today, experian re-added the account to my credit file. This account was previously removed by Experian, XXXX & XXXX as this account was fraudulently opened.
Product: Mortgage

Complaint # XXXX JP Morgan Chase Holds Homeowner and Her Home Hostage Homeowner urges Consumer Financial Protection Bureau to contact Corporate Office at : JP Morgan Chase Corporate Offices, XXXX XXXX XXXX, XXXX XXXX NY XXXX Be it known, homeowner, XXXX XXXX XXXX XXXX, has NOT received any cooperation from JP Morgan Chase since her first complaint to Consumer Financial Protection Bureau. JP Morgan Chase continues to hold homeowner and her home hostage by fraudulently manipulating their accounts, figures, dates, data and documentation. 
Please see attachment : " Complaint # XXXX JP Morgan Chase Holds Homeowner and Her Home Hostage '' as this description is rather lengthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/DOFED  Company Inquiries : XXXX XXXX XXXX
Product: Credit card or prepaid card

AMERICAN EXPRESS BLUEBIRD CARD I MADE A PURCHASE ON FROM XXXX XXXX WEBSITE I DECIDED THAT THEY DIDNT HAVE MY SHOE SIZE IN THE COLOR/STYLE THAT I WANTED, SO I IMMEDIATLEY REQUESTED A REFUND AND XXXX HAVE RETURNED MY MONEY - {$270.00} ON THE XX/XX/XXXX SUCESSFULLY. AMERICAN EXPRESS BLUEBIRD IS REFUSING TO GIVE ME MY MONEY - {$270.00} THE SPRVSR IN ESCALATIONS W/AMERICAN EXPRESS BLUEBIRD XXXX VERIFIED THAT THE PAYMENT WAS RECVD FROM XXXX   SUCESSFULLY ON XX/XX/2018. I HAVE CALLED, CALLED, AND CALLED NUMEROUS TIMES ONLY TO HEAR THAT MY REFUND IS UNDER REVIEW-NOT REQUESTED BY ME TO REVIEW AND WASNT DISPUTED JUST A SIMPLE RETURN AND BLUEBIRD HAS ALREADY VERIFIED WITH ME THAT YES THEY HAVE MY REFUND FROM XXXX. THEY PLACED A 7DAY REVIEW ON MY FUNDS AND I HAVE NO WAY TO GET MY MONEY BACK. IT IS NOW THE XX/XX/XXXX AND I STILL DONT HAVE MY MONEY. AMERICAN EXPRESS BLUEBIRD IS REFUSING TO RELEASE.
Product: Mortgage

I have had nothing but bad service with First Mortgage Corporation ( " FMC '' ). A few months ago I was told they sold my loan to another servicer. I began calling the other servicer for an address to send my payment. They told me they did not have me in their system. Finally after calling for a FULL month, I called FMC and was told that my loan was NOT sold and it was still with them. 
Fast forward to XXXX XXXX, 2016. I was told again that my loan was being sold to another servicer. I went ahead and paid the XXXX payment to FMC to avoid the issue of waiting for an address to mail the payment to the new servicer. I then on XXXX XXXX received a notice in the mail from the treasury department telling me that my taxes were never paid in XXXX and that they would be publishing my information if it was not paid by XXXX XXXX. I called FMC and left a voicemail and said that my taxes were not paid and for someone to call me. I never received a call back. I then began calling the new servicer to let them know of the tax situation and was told that my loan information has to be in their system before they can do anything about the taxes. I have been calling for weeks and my loan is still not in their system. I began to wonder if my loan was transferred or if I was again told that it was sold but it actually was not. I again called this morning to FMC and received a voicemail over and over again. Unless I know an extension I have no one to talk to. I do n't want to pay my taxes directly as I have already paid it in my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have not reported that rental amount that I owed as paid on my credit report. This was paid by Alabama XXXX XXXX I have documentation to show as proof. This was paid in 2021 in XXXX installments first amongst was {$1500.00} and the second amount for {$1900.00}
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, 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: Checking or savings account

Depositor by thye name of XXXX XXXX deposited funds into my account another person impersonated through my information and created to steal tyhe funds that were carried over to my new account that was created after double debit probl ; ems occuring .the funds were secured and traqnsfered to my new account information and someone creates a check to steal the funds out my account. it was said to be a company called XXXX XXXX  who wrote a letter on my behalf at they beggining of the claim statimng that they did not retrieve these out my account and never had my banking informatiom=n and that no one from their company can transfer checks that large or recieves any kind of payroll for thee amount of XXXX cent none of the claims at wells fargo were handeled correctly niether did the bank try to call the merchant back that they said recieved the funds back aslo i filed a case with cfpb who tthe bank responded back with that i need to contact thye merchant when i had the leeter from the merchant at the begginig of this sittuation. this not only proves the funds are stolen but i have the response from the merchant as well and witness from wells fargo who heard, mmy debit transactions prooving debit theft .i would like to file paper work for the stolen funds .aslo it was said to be an energy company who witnessed on my behalf with a letter how ever the phone number on file did not match the buisness listed aslo agtyer phone call today XX/XX/2019 that there was no n umber listed proven that the information has been altered and after so many run arrounds i noticed this through alot of phone calls with wells fargo and i know the phone calls are recorded
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize the inquiry thats on my credit report and XXXX XXXX I did not inquiries for new credit or loans onXX/XX/XXXXXXXX A company name XXXX XXXX.
Product: Debt collection

Received letter in the mail, contacted collection company and faxed FTC identity theft and police report to collection agency. Collection agency continued to report incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary 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 PAYMENT HISTORY LEGEND Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Completed investigation of FCRA dispute - consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Product: Credit card

{$800.00} XX/XX/24 package was not signed for and was left at wrong door step
Product: Mortgage

Originally purchase home with Wells Fargo XX/XX/XXXX loan was interest only.i put $ XXXX as a down payment. I was a XXXX moving to a new area and was told I would be able to refinance the interest only loan once a job was established, even though I had been a XXXX for 7 years at the time. I was denied despite multiple attempts. I sent my monthly budget as requested for months. They constantly changed the terms of qualification resulting in a foreclosure XXXX XXXX XXXX My credit was destroyed for XXXX years and it was a huge hardship on me and my XXXX children. 
My phone number is XXXX, I am unable to edit the typo.
Product: Mortgage

I applied for and received a payment deferral at the beginning of COVID. After 2 months I contacted them and told them I was ready to resume making payments. They told me They would send me a payment deferral agreement in the next couple of weeks that I needed to sign. They told me I could go ahead and start making payments. 
I have been making my payments for the last 6 months and still have not received the payment deferral agreement. I call US Bank regularly to see what is happening and I get a different answer every time. 
I am trying to refinance my home and I am not able to do it because it shows my account in Suspense and does not show any of the {$17000.00} in payments I have made. 
The refinance will save me about {$800.00} a month. So far not being able to do it has cost me around {$4800.00}. 
I have not even been able to confirm the payment deferral agreement is being worked on. 
Can you help me?
Product: Debt collection

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : COMMONWEALTH FINANCIAL Account # : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Commonwealth Financial. Their response will clearly violate my rights according to the HIPPA act of 1996. 

XXXX XXXX Hospital and XXXX XXXX XXXX did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a HIPPA violation against XXXX XXXX Hospital and XXXX XXXX XXXX as well as I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.