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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

I had a mortgage loan with Best Capital Funding ( BCF ) XXXX. Loan amount {$170000.00} I did not receive my mortgage statement for XXXX, nor I received any correspondence from BCF regarding to my loan. I contacted BCF twice on XX/XX/XXXX and XX/XX/XXXX via BCF online secured message. They replied to me today XX/XX/XXXX that they sold my loan on XX/XX/XXXX. I did not receive any notification regarding the transfer of my loan. Therefore, I'd like to file a complaint on Best Cap Funding for not notifying homeowner when their loan being sold to another mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, XXXX # XXXX, Account name : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, XXXX XXXX XXXX # 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 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

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I request of you to have the disputed items removed from my Credit File as soon as possible.
Product: Credit card or prepaid card

I received my American Express statement for the billing period due XX/XX/2019. The statement included a pending interest rate increase to my account. My current purchase rate is 8.74 %. The new rate effective XX/XX/XXXX, XXXX14.74 %. The reason for the increase according to American Express is my XXXX fico score of XXXX. I have exceptional credit and the pending rate increase is unwarranted. All accounts are paid in full each month, no outstanding loans, no negative activity /notations on credit file. My debt to credit ratio is 2 %, so how and why would I be charged 14.74 % interest on purchases. Yes, I reviewed my credit report and the term exceptional appears frequently. For those that say why would it matter if the accounts are paid in full each month, my response, I worked diligently to be a responsible consumer and paying an excessive interest rate does not reflect the exceptional credit rating I have maintained since establishing credit over twenty-five years ago. American Express does not have a legitimate reason for this excessive rate increase, but a business reason to charge an excessive rate, greed/profit. Please stop American Express from this illegal action. I have been reading other complaints of this nature and the settlement paid by American Express to consumers for illegal business practices, which they clearly are still at it. I had to review my credit file when I did not want to view it at this time, I want to be appropriately compensated for this inconvenience.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received a letter from Target TD Red Card around XXXX XXXX of XXXX  advising me that if I do not use the card within 30 days of the letter they will close my account which in turn will effect my credit. I used the card. Since then I have been trying to make monthly payments on my card however there is always an issue. They continue to report me to the credit bureaus however I still not have received one document or notice in the mail regarding late payments, date payment is due. They have not contacted me. The only documents I received from TArget TD was use your card or we will close your account and we are unable to contact you via email, here is paper correspondence I tried calling XXXX XXXX and the last time I got to speak to someone is I apologize that our system didnt take the payment when it should have. We dont contact the credit bureaus when there are errors made in our behalf since the threatening letter to use my card, this account has always given me a problem and every month TARGET continues to charge me fees and reporting me to credit bureau XXXX This card is {$1000.00} card not {$10000.00}. Furthermore they reported me again this month XXXX and XXXX for non payment. I can not get in my account because they want me to verify my card and the card I have is not allowing me to sign into my account to make payments. They shut my card down failed to send me a new card or contact me in writing or verbally to let me know whats going on. I got notified my the credit agency. I cant get a supervisor on the phone, usually its an individual with no clue. I need a new card to be sent with a tracking number, so I can get a card to log in and start making my payments. I dont believe I requested. New card or to have my card turned off. I had a score of XXXX now its at XXXX because of targets {$1000.00} credit. This cant be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major credit card with XXXX XXXX. Recently XX/XX/2021 I entered into an agreement with them for 6 months with this card. The agreement is to pay {$50.00} per month at an interest rate of 5.9 % for the 6 months. I was told on XX/XX/2021 that I need to make the first inital payment of {$50.00} which I did with the rep. Going forward I also agreed to have the payments come out of my account each month. I confirmed that the account would be considered in good standing and current. I was assured " yes ''. On XX/XX/2021 I received a text that the account is past due. I immediately called XXXX XXXX and was told that I need to make another {$20.00} payment. I made the {$20.00} payment. I asked why is the account reporting now as late when I was assured after I made the {$50.00} payment the account would be considered current. I would have paid the {$70.00} if that is what they were requiring to go into this program on that day instead of the account showing as late. I am upset at the fact that I might be charged a late fee and in addition that it's going to be reported to the credit reporting agency 's again. I have been disputing with them about 2 negative remarks that are already reporting when in fact I went through this with them back in XXXX when the pandemic hit.
Product: Credit card or prepaid card

These are all pieces of Junk mail I have received from Chase Credit Card, all the agents in the mail they have mentioned are not reachable. 

They make it like that, so that the customer scratch their hair away from their heads, and chase have purposely transferred all of their call centers to Non English speaking nations so that the customer gets fed up of the Call center representatives and hangs up the phone, now everyone does n't know about consumer finance website and how to go to court to get their problem solved, so chase is taking advantage of that. 

In one of the letters I was asked to contact " XXXX XXXX '', and given a case Number " XXXX '', but when I contacted on the phone number given, XXXX was not over there and the representative did not need my Case Number, she asked for my account number, so why was this case number given at the first place? 

On the second letter you can see - chase gave me a duplicate credit and said they are correcting it by reapplying it but instead they reapplied the charges two times, giving me no credit at all, here are the charges - {$100.00}, {$100.00}, {$140.00}. 

Now there was a letter from chase to contact " XXXX XXXX '' for the charges - {$47.00}, {$170.00} and {$720.00}, but whenever I called the number, he/she were never available, nor I received a callback from this guy. 

I recieved a letter from executive office, I contacted them but there was no response at all, nor even a courtesy callback, there is no respect for the customer.
Product: Credit reporting or other personal consumer reports

I recently conducted an investigation of my credit report and discovered several inaccuracies that require immediate correction. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the maximum possible accuracy of consumer reports and to promptly delete or correct any inaccurate or unverified items. Specifically : 15 U.S. Code 1681e ( b ) - Accuracy of Report : Credit bureaus must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

15 U.S. Code 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If an item on a consumer 's credit report is found to be inaccurate, incomplete, or unverifiable, the credit bureau must promptly delete or modify the information as appropriate. 

The following accounts contain errors and should be reviewed : XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX  XXXX XXXX - {$750.00} XXXX XXXX XXXX XXXX - {$5300.00} XXXX XXXX - XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$200.00} XXXX XXXX XXXX - XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} I am requesting a thorough investigation into these items and expect you to provide documentation verifying their accuracy. If the information can not be verified, it must be removed from my credit report as required by law. 

Please provide me with written confirmation of your findings and any actions taken. I appreciate your prompt attention to this matter and expect a response within the 30-day period mandated by the FCRA.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX  XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} 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 card or prepaid card

I contacted Citi Credit Card to dispute three transactions that were charged to my Citi Card. My wife is an authorized user on my card and used her card to purchase something in XXXX. The transaction was for {$660.00}. The transaction did not go thru and due to that the merchant tried two more times for a total of three times for the same amount. All three times the merchant said it was declined so my wife gave a local card and the transaction went thru. I have the receipt that shows that I used a local XXXX card ( XXXX Debit Card  ) to pay for the merchandise. 
After returning to United States, I filed a claim for the three charges. I was told to send in docs that show that I paid for the merchandize with a different card, which I did. I waited to find out their result. They contacted me a few days after to tell me that I needed to show proof that I got charged three times on their card because their fraud department does not have access to their own card records. I provided that along with all the evidence again and a letter to tell them exactly what happened. 
Citi still decided to settle the charges in the favor of the merchant even though there is plenty of evidence that the merchant was paid in a different way. 
I would like to file a complaint against Citi and its fraud department. They are not being an advocate of the client and not doing their due diligence to stop fraud on their customers. I would like to get my three charges reversed and Citi to have better training in their fraud department to avoid this type of poor client experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT INFLENCE FROM ANY THIRD PARTY OR AGENCY
Product: Checking or savings account

My phone was stolen. They somehow got into my phone and used XXXX XXXX with my checking account/debit card. Transferred {$1900.00} using XXXX XXXX to a different person. Wells Fargo Bank said I am responsible for those transactions because they believe it was made by me or someone I know.
Product: Money transfer, virtual currency, or money service

Starting Monday XX/XX/year> Attempted to initiate wire, transfer to domestic escrow account to close on house.

Their website did not appear to be working properly. I spoke to customer service who advised I walk through the process which I then completed.

They verify that they received the transfer request and that it would be submitted to the department and I would receive a callback that day with any questions. This was completed at approximately XXXX XXXX  well before XXXX  Pacific standard time cut off for same day wire. 

I received no phone call and then checked back the next day when it did not go through. They said that it was created, but there was an issue on their end and it did not complete and they asked that I send in a paper form. This was after I had called earlier in the day to ask for guidance and was told that it was still in process and that they would get back to me. I sent the paper form along with my identification and the name on my account and my ID did not match as I changed it due to marriage. I asked if that was going to be a problem they said no. I advise that I have a marriage certificate and ID if needed. They said it would be fine and that they would process it.

It was not processed I called back again the next day Wednesday, XX/XX/XXXX the

day that we were supposed to close our escrow I informed them that this absolutely must go in. I was then called back and advised that the name difference would create an issue and that I should submit a transfer request online.. them. I have no confidence in that as Ive already attempted that XXXX  was promised callbacks, which never occurred was promised that it was escalated by multiple customer service reps in each case, never resulted in the wire being completed.

I came up with a solution of offering my wife to send the manual wire request form because her ID would match the account. I took her name in marriage. The person advised that that would work and I got it before they cut off at XXXX  Pacific standard time. I called customer service who informed me that they would speak with the wire department. I was on hold for approximately XXXX minutes and they came back and confirmed that everything was correct and that the wire would go out that day. 


The wire did not go out it still shows only as requested in their system. it has been XXXX business days from the initial wire transfer request which is supposed to be fulfilled same day. as a result escrow closure is now delayed with unknown repercussions to the fast purchase of the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX ( XXXX XXXX ) # XXXX - IDENTITY THEFT XXXX XXXX Account # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds what is impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system 's leaving users vulnerable to scams. This lack of accountability and transparency is an unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I spoke with a agent from Capital One on XXXX XXXX, 2017 about my account. I explain to agent that i lost my job and was going through financial hardship. Agent told me she understand and they do have a hardship program. I ask how to get started? She said let me see if you eligible.. She put me on hold, came back said you 're eligible. I replied good need it until i find a job! She ask me how much do i think i can pay now.. each month? i told her XXXX each month until i find a job. Agent told me ok.. best to pay something to keep account up and void late fees! So i set up auto pay with the agent for XXXX dollar come out every month. First was to be at the end of XXXX. Payment came out good! about 3-5 day later i noticed a XXXX add to my balance. I call Capital One about the change in my account.. ( XXXX XXXX ) Agent told me i was denied for the hardship program. huh? No one notify that i was denied.. no email, calls. Agent was quiet. I ask can i speak to a Manager? She put me on hold 3mins.. came back said no Manager available right now! One will call you with in 24-48 hours. It been a week no calls.
Product: Credit card or prepaid card

Hello I applied Credit Card With XXXX XXXX XXXX  XXXX and I was asked to go to branch to provide my driver license my paystub and utility bill along with copy of another credit card, I complied with their request and went to XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX and left all documents with them. Today I called to get status they are saying they can not verify my identity with is strange because i was there physically.
Product: Credit reporting

There have been several inquires on my credit and I did not authorize them. They are also using addresses that do not belong to me. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX : XXXX XXXX XXXX XXXX , XXXX, il XXXX XXXX XXXX XXXX, XXXX, il XXXXphone number XXXX