23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was at a bachelor party in XXXX XXXX, LA. My phone was stolen while it was unlocked. The thieves withdrew money through my debit card and paid themselves through XXXX. I immediately disputed these charges with all credit cards, debit cards, and financial institutions/third parties. XXXX told me there was nothing they could do. I reported the fraudulent unauthorized charges to Chase. They issued me a refund while they investigated. I just got the results from their investigation. They are going to take back the credits that they sent me because they said that I authorized these charges. I asked them for information about how they came to this decision. They sent me the transaction logs showing the 14 transactions within 5 minutes. I asked them how they decided this when this obviously was not me. They mentioned transactions I made in XXXX and XXXX of this year as proof that I authorized the charges. I do not believe I should be responsible for someone basically stealing my identity and taking my money.
Product: Debt collection

I believe that the information related to this account is inaccurate and I am requesting an investigation pursuant to FCRA sections 607, 611, and 616. I request that you provide sufficient documentation to verify the accuracy of this account, including a copy of the original contract with my signature, billing statements, or other documentation. Pursuant to FCRA section 611 ( a ) ( 1 ) ( A ), I also request that you forward a copy of the dispute and supporting documents to the credit reporting agency that is reporting this account.
Product: Mortgage

We received a conditional approval to close on a short sale and have been trying to get the okay to close for 3 weeks. The bank is not accepting documents they  requested, as Title Commitment, Municipal Lien Certificate, and final water bill as proof of what is outstanding on the property at the time of closing. I had to put notes all over the title commitment to show that everything they required is in this document. I have a months worth of emails to prove they are deliberately stalling this short sale closing, so they can foreclosure on the property and not pay out on the file they conditionally approved. We have provided everything required and requested by law and by the bank and they do not want to accept or honor the laws of the state of RI that this property is located in. It was apparent that these documents were not even reviewed. I had to go around the short sale department to the Tax Department because they said the MLC was n't sufficient in showing that 2017 taxes have n't been paid. they did this for weeks until i contacted the tax department and they sent the short sale department the same MLC that i submitted 3 weeks prior and confirmed that 2017 taxes have not been paid. this should have cleared things up for closing but the short sale department is still saying they need an invoice which was provided by our office and by their own tax department.I have the email chains as well, proving my complaint is substantial and these private lenders and private investors need to have guidelines on them so they ca n't do what ever they want to our clients and to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my XXXX credit report COVIUS MORTGAGE SOLUTION inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXXXXXX XXXX
Product: Credit card

I've made sure that all payments on this account were timely, avoiding any overdue status. I am confused about the reasons for the late payment reports on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

Initiated a xfr of funds ( {$2000.00} ) from XXXX checking acct to my Optum Bank acct on Monday XXXX XXXX. As of XXXX XXXX the funds are still not available to move from Optum to my outside XXXX XXXX brokerage acct, This is nonsense that simple, cleared, cash funds are not available within one day for TRANSFER not WITHDRAWAL to my brokerage acct.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is currently leaking credit reports that are supposed to be frozen. If an credit report is frozen, fraudulent actors can still obtain a copy of your credit report. This is an explicit violation of the law. 

I have hard evidence to prove this if necessary. 

TransUnion mostly dodged my inquiries - either their system is inaccurate or they lied and said they never received a credit inquiry, despite hard evidence to the contrary.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 an account without my written instructions.
Product: Mortgage

I inquired with XXXX XXXX of Highlands Mortgage regarding mortgage rates for various investment properties I was considering buying. Specifically I emailed him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021, with specific properties I was considering at the time. I then asked him a few follow up questions via email. I had not yet given him any personal information, credit information, or applied for any loan. I also did not give him any information on the properties I was considering, other than a general price range and cities. All of a sudden, the evening of XX/XX/2021, he sent me the following vague and unhelpful email : " The XXXX XXXX is going to respectfully remove itself from consideration on these loans. 100 % understand and respect the investors need/right to secure the absolute best rates/terms/service you can find. But we wont be the right fit in this case I believe. We wish you great success in all your RE pursuits! '' Thinking there was a misunderstanding, I sent him a follow up email to ask him what the concern was. The next day, XX/XX/XXXX, I again emailed him to confirm that he was not discouraging me from applying for a mortgage. I then submitted an application on his website on XX/XX/XXXX, and provided him all of my personal information and documents that he would need to make a decision. All of these emails have gone unanswered. The application I submitted over XXXX business days ago has not yet started processing and he has not done a credit check. I have not received a GFE or a denial, or even any reason for his vague email. 

Because at the time of XXXX XXXX 's email, I had given him no personal information about myself, including my SSN or financial information or documents, there was no legitimate business reason for his XX/XX/XXXX email discouraging me from applying for a mortgage with him. The ONLY information he had about me was my name and the fact that I was rate shopping, neither of which is a permissible basis under the XXXX and XXXX B for discouraging a mortgage application. Further, by not providing me a GFE within XXXX business days of my application, XXXX XXXX is in violation of the XXXX. By not providing me any rate information for the past few days or taking any action on my application, he has caused me to miss out on a beneficial mortgage, with a discriminatory purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

I took a private loan out for specifically daycare expenses XXXX, my school XXXX COLLEGE had there own daycare where my son attended. XXXX day i received a notice he was closing daycare for good, so after that i looked for a new daycare for my son to attend while being enrolled in school at XXXX i went back to my finical advisor to ask if i would be awarded the remaining balance due to my son not attending there daycare. The advisor told me that they were gon na meet with all the affected students, and they where gon na hold a meeting the following week and he would notify us with more info. The week was coming up when we received a notice that the owner XXXX XXXX posted on the student portal that he was going to voluntarily close the school. So my concern is what type of legal actions can be done due to him closing and me not getting any info from the advisor or XXXX? He was granted ch XXXX bankruptcy and now on XXXX XXXX he will file his ch XXXX i was never given a exact amount of what was paid to XXXX in total, and why was i never given the remaining balance paid out to apply to my new daycare my son is attending.
Product: Credit reporting or other personal consumer reports

This is really frustrating, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and disregarded. As a consumer, I know I have rights and that very right is being violated with what you guys are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively, it's stressing me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX XXXX XXXX XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX XXXX XXXX XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX XXXX XXXX  account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX 60 days late, XXXXr 30 days late, XXXX 90 days late, XXXX 60 days late, XXXX 30 days late On Equifax ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 60 days late, XXXX 60 days late, XXXX 90 days late, XXXX 60 days late, XXXX 120 days late, XXXX 90 days late, XXXX 60 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX 60 days late, XXXX 30 days late, XXXX  90 days late, XXXX 60 days late, XXXX  30 days late Please investigate if every piece of information is correct on the reported late payment history. 
I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Product: Prepaid card

I have a Vanilla eGift card issued by XXXX XXXX  and serviced by InComm Financial Services. Despite the language on their site saying that " Visa eGift Cards can be used at any United States-based merchant where Visa debit cards are accepted including online, by phone, or by mail-order. Vanilla Visa eGift Cards are activated and ready for use immediately after purchase, '' I am unable to use it. I tried at three separate online merchants only to have it declined.

I spoke to a representative of InComm, who told me that the transactions were being blocked for " security '' reasons and to try another merchant. This isn't acceptable, so I told him I either wanted the restrictions lifted or I wanted the account closed and a check tendered to me for the balance. He refused.

InComm/Sutton are offering a defective service that doesn't work as it is advertised to.
Product: Credit reporting or other personal consumer reports

The 3 agencies XXXX, XXXX, and Experian have a fiduciary duty to make sure accurate information is reporting on a consumer 's credit file. XXXX XXXX XXXX XXXX is reporting 2 accounts that is causing harm to my credit profile XXXX auto loan Reporting at {$4500.00} and credit card Reporting at {$5300.00}. Both these accounts has been discharged via 1099C filing, Which Canceled the Debt/ Charged off. Per IRS Publication 4681 a Charge off is considered Income and is to be filed on my tax return. ( See Exhibits below ) The Credit balance of theses accounts should reflect {$0.00} full balance paid in full and remove any negitive reporting. This is my 4th time this year complaining about the reporting from this Company. at this point there is no need for a Fake investigation per your E-Oscar system. this needs to be updated IMMENDIATELY. 

This Complaint is Governed under Fair Credit Reporting Act and The Privacy Act of 1974.
Product: Credit card or prepaid card

I have previously submitted a complaint about Citibank Credit Card. This complaint is new but its link to the previous issue was well. Citibank is continuing to resubmit a payment to my bank account and causing me to pay overdraft fees because the funds are not there. I paid this bill and they refuse to submit in the payment date which is causing me to pay overdraft fees. I spoke with someone about this account and she was only interested in whether I wanted to reopen the account or not. I opt not to reopen because if they treat me like this who has been a loyal customer for over two years then I wonder how they would treat someone else. I just want them to stop resubmitting that payment to my bank ASAP. I am going to pay them as my history reflects. Please help me deal with them.
Product: Consumer Loan

after researching my loan information I realized that I qualified for a change in the due date of my car loan. After making the change in my due date from XXXX XXXX to XXXX XXXX I subsequently made my payment. I received my next month 's statement and noted that I was charged a late fee. After speaking to Wells Fargo Dealership Services I was informed that the late fee would not be waived.
Product: Debt collection

Recently, i have reviewed my consumer report and notice that your alleging reporting the following account are LVNV FUNDING LLCXXXXWithout runished any substanital proof of verified according to the federal law, in order for you to report this account you would have had to verify and validate all alleged debt. As of XX/XX/2023, I am asking to provide to me that i had a contract to engage with LVNV FUNDING LLC, to cause such debt to exsist. As a result of this our must removed immediately be removed from my consumer report As i do challenge your validity pursuant 15 USC 1681B. please consider this letter as an initial communication demanding any evidence of my obligation to above mentioned account. As a reminder, any account that you continue to report without being able to validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separate. this is not a dispute of ownership but as a consumer i am aware of my FEDERALLY PROTECTED RIGHTS, if you cant prove the requested documentation my demand is that the account be removed immediately upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX received complaint XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information regarding this account shall be deleted from all consumer reporting agencies including XXXX, TRANSUNION AND XXXX immediately.
Product: Checking or savings account

someone opened a checking account with Chase under my name that i did not authorize
Product: Credit reporting or other personal consumer reports

IM A FRAUD VICTIM. I REQUESTED THAT THESE FRAUDULENT ACCOUNTS BE REMOVE, THEY SAID THAT IT WAS ONE OF 4 CHOICES, BASICLLY A GENERIC CODE TO TELL YOU THAT WE NOT TELLING YOU WHY WE AINT DOING THIS. SO THEY DID DO A REINVESTIGATION AND IT CAME BACK ACCURATE BUT ALL THE ACCOUNTS ARE NOT ONLY FRAUD BUT THE ACCOUNTS ARE OVER XXXX PERCENT INCOMPLETE.NO PAYMENT HISTORY, NO MONTHLY BILLING HISTORY, INCORRECT FIELD ALL OVER THE ENTIRE CREDIT REPORT. XXXX CAME BACK AS CERTIFIED ACURATE. THE OTHER CREDIT BUREUAUS CAME BACK AS ACURRATE.I REQUESTED BEFORE AND IM REQUESTING NOW A REQUEST FOR METHOD OF VERIFICATION. HISTORY OF PAYMENT FOR THE ENTIRE TIME ACCOUNT WAS OPEN TO CLOSED. MONTHLY BILLING HISTORY FROM OPEN TO CLOSED ACCOUNT. I HAVE ATTACHMENTS. IF THEY DONT PROPERLY HANDLE THIS, I WILL GATHER ALL MY INFORMATION OF DATA THEY SENT TO ME TELLING ME FALSE NARRATIVES AND I WILL FILE AND SEEK A CIVIL SUIT AND FILE LITIGATION.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent Account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

US Treasury Department is charging me for a money order that was returned to the US Post Office in XX/XX/XXXX and provided to the Post Master, XXXX XXXX in XX/XX/XXXX. I have disputed this with the US Treasury but to this date I am still being charged for they money order. I have proof it was returned to the Post Office as the postal clerk wrote on a note she received it from me. Please remove this from my credit report.
Product: Bank account or service

I'm asking/alerting  XXXX of Chase Bank to look into my concerns, and asking him to know what XXXX said he did not know was happening at XXXX Bank. I am XXXX of XXXX Social Security recipients, XXXX years old ( $1,133.00 ), per month' this is income per month. since I transferred my account from, "a,  "no branch bank", who promised free checking/checks, (Chase charges XXXX, to issues XXXX blank checks on my account.  A XXXX year old is not suitable for a, "no branch bank".  It is more suitable for a young high tech customer. This no branch bank, also allowed many bogus charges on my account to no avail since I could not personally explain the mistakes, wrongful charges on my account.  I went to Chase.....However while it may have been explained to me,there are hundreds, if not $thousands of dollars of overdraft fees each, XXXX approximately.  in some instances, (the no branch bank did not do this), example, I charged a XXXX for XXXX coffee that the card allowed. It resulted in another XXXX overdraft fee.The employees of the branches are very sympathetic but have said "XXXX we would reverse these overdrafts but we are not permitted to so, (i.e. XXXX),   I am asking both XXXX and the CPFB to review overdraft charges that I'm confsed about how I got, that have reduced my very precious, minimal XXXX, I deposit into the Chase account.  Does XXXX know that XXXX social security recipients are confused and afraid and embarrassed about this; yet the overdrafts amount to more than a third of our monthly monies.  Can you ask XXXX if he knows about us XXXX customers that he has that are so unable to be helped since Chase has prohibited the branch employees to protect our monies.  Unless and until this is researched, and hopefully redressed, (adjusted, I would like to see this resolved before I become XXXX of XXXX Social Security customers that will also complain to Senator XXXX and will investigate Chase Bank and asking XXXX to audit my social security direct deposit account. this is very frightening.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - late/closed XXXX Bankruptcy XXXX XXXX XXXX bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX