23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Within the last six months, I have received a number of letters from JP Morgan Chase and various collection bureaus claiming that I owe more than {$7000.00} in charges on a JP Morgan Chase credit card under the name of XXXX XXXX, asscociated with an addresses in XXXX, XXXX  which my wife and I left in XX/XX/XXXX. Because of my job as a contract employee with the XXXX  ( I was a XXXX XXXX from XXXX and have been contracting with XXXX  since XX/XX/XXXX ). My contracting company is XXXX, based in XXXX, XXXX  ). My work location with XXXX  was changed to XXXX, Alabama where we moved to in later XX/XX/XXXX. I work on the XXXX  XXXX  at the XXXX XXXX. According to the bank, this suspicious credit card was established in XX/XX/XXXX and the charges were made to the credit card, mostly at XXXX  and XXXX  XXXX, in small towns in rural XXXX  and XXXX, over a ten day period in XX/XX/XXXX. At the request of the bank, I filed a police report with the XXXX, XXXX, was interviewed, in person, by an officer, and had a lengthy follow up tel call the following day with a fraud investigator. Like me, they believe I am the victim of an identity theft/phishing expedition. I also had my company provide certified time cards to the bank with definitively establish I was working in XXXX in XXXX. XXXX when the charges were made. I also sent bank establishing where I have been living, in XXXX  and XXXX, since XX/XX/XXXX. Finally, because I have a rather generic and common name ( XXXX XXXX XXXX, I always use my middle initiaXXXX XXXX or XXXX when establishing a credit or debit card. The card in question curiously used XXXX XXXX, something I have never done in over 40 years.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
These fraudulent accounts consist of two Student Loan accounts opened on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). 
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. Further these accounts are now considered in litigation. 

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 # ( 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.
Product: Credit reporting or other personal consumer reports

Kindly erase these inquiries. I am unaware of them, and the company proceeded without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Bureaus/Agencies ( Equifax and XXXX ) and the Creditors ( XXXX XXXX and XXXX XXXX XXXXXXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off status reported on my credit report for the account associated with XXXX XXXX. I request that you review and remove the charge-off from my credit file, as I believe this information is either inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. I respectfully ask that you verify the validity of this charge-off and provide proof of the debt. If no valid proof can be provided, I request that this account be removed from my credit report immediately. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), if this account has been transferred to a collection agency or is no longer under your control, I request that you provide written confirmation of the current status of the account and the name of the entity to whom the debt has been assigned. If the charge-off is indeed valid, I request that you provide documentation of the original account terms and payments made, as well as any efforts made to resolve the balance. Please provide written confirmation of your actions regarding this matter within 30 days of receiving this letter. Should you fail to respond or provide the necessary documentation, I expect that this charge-off be removed from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response
Product: Mortgage

Appraisal was performed to remove PMI in XXXX. After the appraisal, my mortgage servicer RoundPoint Mortgage Servicing LLC sent a one page cover letter for my appraisal -- the full appraisal was not sent to me. 

I called RoundPoint on XX/XX/XXXX and was told by a customer service representative that my appraisal would be printed and resent. I did not receive anything from RoundPoint following this call, either letter or a copy of my appraisal. 

My mortgage was transferred to a new servicer on XX/XX/XXXX. After receiving notification that my mortgage servicing was to be transferred, and prior to the transfer 's completion, I contacted RoundPoint on XX/XX/XXXX through their email webform to request a copy of my appraisal. I have not received any further response from RoundPoint regarding my appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$84000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$2800.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Product: Checking or savings account

Dear XXXX Division of Banks, I am writing to formally file a complaint regarding unauthorized transactions made using my bank card. Despite promptly notifying my bank, they have failed to resolve this issue after multiple attempts over several weeks. As a consumer, this lack of assistance is unacceptable, and I seek your intervention to ensure this matter is addressed satisfactorily. 

Additionally, I contacted my bank before these transactions were completed. They failed to act on time, which could have prevented these unauthorized charges. This lack of diligence has led to financial loss and stress. I urge the Division of Banks to investigate this matter thoroughly. 

Sincerely, XXXX
Product: Student loan

I am writing because MOHELA is having significant issues in handling my XXXX XXXX XXXX XXXX. 

My Award message was sent to MOHELA XX/XX/23 - after XXXX days, the request was cancelled because that is XXXX ' policy. MOHELA did not process the request to make the payment. And now, MOHELA will not explain why they did not open or process this information. 

I called in XXXX to verify the correct address to send the XXXX information. The XXXX hotline told me that all loan service providers should have an XXXX Admin who knows how to process these kinds of unique circumstances. MOHELA has denied the existence of one and refused to give out any contact information for an individual person to contact with this. They did give me an address, which I conveyed to XXXX, and that's where it was sent. 

Now that MOHELA is being asked to say why they didn't process things in XXXX  days, they still will not provide an email to a person for XXXX to work with. A person has to submit a letter stating why it wasn't processed in order to reissue the payment. In the meantime, my Award has now expired- which means that if MOHELA does not explain why they didn't do their jobs, I will lose my entire Education Award for my XXXX XXXX XXXX XXXX XXXXXXXX. 

I have called MOHELA repeatedly, even had a three-way call with XXXX  and MOHELA, and have routinely be ghosted by being sent to a 'supervisor 's line ' and then I either have the phone ring indefinitely or I am told someone will call me back, but that has only happened once. Their processes and wait times are ridiculous and they are showing ineptitude at every turn regarding servicing loans for the Department of Education.

MOHELA also said they would conduct an investigation, stating XXXX business days to complete it. This was on XX/XX/23 and they have not completed the investigation yet nor have they said why they haven't completed it. I was just told that it 'was n't finished yet. '
Product: Credit card or prepaid card

I filed a CFPB Case : XXXX XXXX Capital One Case :  XXXX. Capital One one is playing a game, they are still charging me for the fraudulent charges on my account. They also have left a number to call which I have called over 27 times now with no response.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX is the agent handling my case. I have been calling from ( XXXX ) XXXX and she never picks up the phone or responds to any of my messages. Capital One is refusing to help me with these fraudulent charges and their billing department calls me everyday to tell me to pay for these fraudulent charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have contacted the furnishers and they all agreed to DELETE the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're not willing to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law and will not explain their policy. I need the accounts below to be deleted from my file : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a bunch of overdraft and NSF fees totaling {$1400.00}. I spoke to the bank several times about this and was simply told, It was my fault and nothing they can do about it. Starting XXXX to XXXX I was charged these fees and they allowed XXXX XXXX to keep pulling these debit card transactions and charging me {$140.00} NSF fees each time. It totaled over {$1200.00} and these transactions were {$10.00}, {$20.00}, transactions. I contacted them XXXX when I first noticed and was told there was nothing they can do. I explained that I received a letter directly from BMO Harris that no overdraft fees would be charged to customers due to the pandemic and they simply denied any letter existed. I have messaged them several times on my online banking with no response or a response they will not refund these fees back. I also had my spouses stimulus payment come in during this time and they held it 5-6 days while allowing these {$140.00}, {$100.00} transactions to keep negativing out my account still. Took them about a week to deposit that into my account. The week on XX/XX/2021 I also seen they had deposited my {$200.00} promo credit which I got for opening this account, then a week later they pulled it back out with no notice given and it cause my check to bounce and they charged me another {$36.00} overdraft fee XXXX for that and it was a bank error. I messaged them and called several times between XXXX about that prior to my check going through and they said that promo was taken out due to bank error and I wouldnt be charged any overdraft fees, but I was and the check didnt clear so I now has to go to the vendor and pay that check and their {$35.00} fee on top of this. I feel like Ive been completely taken advantage of as a customer and I have not opted in for overdraft coverage and they have never paid any of these transactions just charged {$36.00} and {$140.00} fees for a {$10.00} debit card transactions. I have called and sent several messages and they will not refund any of these fees and wont even help. They took over {$1200.00} from stimulus money which I could of used for our family of XXXX. I am XXXX and can not work and my spouse is on unemployment and we have XXXX children. We can not afford to give BMO Harris Bank {$1500.00} in bank fees nor should it be allowed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} XXXX  XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

A loan company call XXXX XXXX has report a XXXX charge off close a account as open to my credit bureau constantly damaging credit score with inaccuracies information of reports..I dispute this company servals time and hasn't been remove. I was company for accurate information to account of balance whom the debt been wrote off/chargeoff to and also 1099 as IRS recommend under charge off accounts for earn income.company hasn't not responded and constantly report inaccurate information to my bureau constantly cause my score to drop and me to have less credit worthiness to build relationship with lenders and establish better credit building profile..the account needs to be removed
Product: Debt or credit management

We signed up with National debt relief in XXXX of XXXX. We have 23 creditors that we enrolled with them. As of today XX/XX/XXXX we have given them XXXX of which XXXX was paid to 5 different creditors out of the 23. The rest of the money has been their fees. I have called them several times to inquire and complain that they keep taking their own fee but not paying off our creditors or making any other settlements. Their response was to wait another few months and we would see other settlements. We have not seen any movement and honestly we would like our money back from them. This is robbery we are struggling to make ends meet and trying our hardest to pay back our creditors as best as we can.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I work as a XXXX XXXX XXXX and on XX/XX/2021 I sent {$1000.00} of my salary to my US account that was held by XXXX ( former TransferWise ) XXXX XXXX XXXX from my XXXX XXXX XXXX XXXX  account. On the XXXX of XX/XX/2021 I sent another {$1000.00} of my salary to the US account held by XXXX ( former TransferWise ) XXXX XXXX XXXX. I was able to do an international transfer and paid for debit card fees with balance left of {$1100.00} and some additional balance in the XXXX XXXX still provided by XXXX. 

However I work up to a rude shock with XXXX having closed my account and promising to refund the money left in 2 days now its many days later and they even barely respond to my numerous emails requesting a refund. I have even furnished them with details of the transaction and the bank account that they can use to refund the money as attached with this complaint but my pleas have fallen on deaf years. I am the bread winner and support my family and this event has put me in a very bad situation and would honestly need your help to recover the funds and have it sent to my account. I have written numerous emails even to the CEO and CTO and just about all manner of emails I could get about the company but no one is interested in helping me get my refund since they said they have the prerogative of closing accounts and have no obligation of telling the customers why. I do not care about their account I just need help in recovering my stolen funds. I deem the funds stolen since no one is responding to my emails despite having promised to refund me in two days. 

Kindly I seek your help in following up with this matter.
Product: Checking or savings account

Chase closed my account when they said there were fraud activity on my account that I have no idea about. My account were hacked and someone had power to regulated my account. I remember the next day I woke up and tried to login. My account were closed I was shocked and angry. They did not talk to me about it and not ask to verify any activity on my account. I remember one time someone tried to apply for credit card in my name. It was ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2022, Comenity Bank ( XXXX XXXX ) debited my checking account twice for the same monthly payment in full of {$3400.00},. XXXX payment paid off my bill in its entirety. The second payment brought my balance to a negative of XXXX. When I contacted them to say this was error or fraudulent, they told me they would reverse the double payment, but then they never did. They received both payments and acknowledged that was the case, but they have no idea of how that happened. Then they said it would take more than 60 days to get my money back. This is unacceptable that their payment system would double the payments in this way. I am requesting an investigation of their payment systems and an immediate reversal of my payment. Each day I called in, they said they would reverse the payment, but that is not happening.
Product: Credit card or prepaid card

I made a purchase under {$60.00} in XX/XX/XXXX. Yes I realized that i missed the payment so I paid and the late fees. I have spent so much on late fees. I finaly said okay, I will pay all them and that is when I spoke to someone in XX/XX/XXXX. They told me, I could skip the the next 2 payments ( XXXX & XXXX ) and no additional late fees, so I said I want to get this over and done with and at least I had some time to pay. Well to my surprised I get a call from a person trying to collect. Looking at the history the Company did not keep their part of the bargain and charged me a late fee ( on top of late fee balance on XX/XX/XXXX. I understand if the balance went unpaid into XXXX then I would have a late fee in XX/XX/XXXX. At that point I paid everything except the {$35.00} late fee that they were not supposed to charge me on XX/XX/XXXX and once again I message them to correct it. I was confident since I had in writing that they would not add no late fees in XXXX and XXXX that it would be taken care of and once again I have a late fee because of that XX/XX/XXXX late fee and I just can not see the end of this. I feel like they are abusing. See attachment.
Product: Credit reporting or other personal consumer reports

Good evening, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Card : XXXX XXXX XXXX XXXXs Account Number : XXXX Credit Card : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/22 & XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late payment from this account : XXXX XXXX XXXX