23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a refinance from Amerifund in XXXX of XXXX</br> I completed all the required document submissions by the end of XX/XX/2020. 

They told me I was approved. They told me I needed to wire them {$3100.00} as an " application fee ''. I did this. They also charged me an additional {$750.00} as a " CEMA '' fee. I paid this by check.

Since then, they've been delaying the loan closing! 

They do this by asking for a new document each week. Then they tell me that an older document has " become stale '' and must be re-submitted. For example, I've had to provide bank balances and pay stubs multiple times. There have been two appraisals. 

On XX/XX/XXXX, they agreed to lower the rate ... but they are still delaying the closing. 

They always tell me that " this is the last thing we need '' ... and then ask for something new after a few days. Just last week, they asked me to prove that a parking ticket they found in an old database wasn't mine! Not only was the ticket not mine, but I had already submitted this information in XXXX! Now, they are asking again. 

Notice that they have not *denied* me a loan ( I have their approval in writing ) they simply delay ... and delay ... and delay. 

Meanwhile, I'm out the {$3800.00} I foolishly wired to them! 

And I can't apply for another loan because they've got my Application Fee! 

Lastly, every time they ask for a new document, there's a chance that I might no longer meet the acceptance criteria. What if a new appraisal comes in lower? What if I get my hours cut at my job? 

It's almost as if they're waiting for me to slip up and give them a legitimate reason to deny me the loan -- and keep my {$3800.00}.
Product: Credit reporting or other personal consumer reports

TO Your Company I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY XXXX ). 
You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
All of the accounts listed have different dates of last activity/status date, & have inaccuracies in the payment history between Equifax, XXXX, and XXXX. ( How can these accounts have different information between the CRAs reporting, but are getting the information from the same creditor? ) YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the INFORMATION concerning the individual about whom the report relates. 
According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Debt collection

Dear Comenity Bank, I am writing to file a formal complaint regarding my credit card account with your bank. I am experiencing a problem with high interest rates on a closed credit card account, which has become a significant financial burden for me. As a consumer, I believe that there are laws and codes of banking in place to protect me from this type of debt, and I would like to request a resolution to this matter. 

Firstly, I want to emphasize that my financial difficulties are not by choice, but rather due to medical issues that have prevented me from working. I have been unable to earn a steady income, and as a result, I am struggling to make payments on my credit card account. I believe that as a consumer who is facing financial hardship due to circumstances beyond my control, I should be protected by relevant consumer laws.
Product: Checking or savings account

Well I transferred XXXX dollars from my XXXX  account to cash app. I wasnt able to use it on cash app so I sent back to XXXX  account The money was never put back in my XXXX  account. I work hard for the little or no money I get and this wasnt right. I feel they took it.
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. 

XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. states a consumer 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.

15 U.S.C 166 B : A creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent names and address was use to open fake account
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  / XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or the Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Coinzoom 's services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in Coinzoom which is regulated. Coinzoom customer service is not responding properly. They are not sensitive to resolving the customer issues like this. Being financial institutes, they are more capable of tracking the transactions and retrieving the money and returning it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on my credit file which is a violation of my consumer rights FRCA LAW. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, settled this account XX/XX/22 via phone with representative XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Receipt of payment will be attached. Voice recorder to Payment settlement will be sent to each bureau and CFPB TO PROVE THIS WAS SETTLED FOR {$300.00}. Credit report is reporting inaccurate pass due amount, open balance, which if inaccurate information. 
The account is NOT being thoroughly investigated, but is responding by a generated response. No one is actually investigating this account and now Im going to get an XXXX XXXX XXXX because my consumer rights XXXX continue to be violated by XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Checking or savings account

I opened a savings account with Citizens bank in XXXX Massachusetts, I believe in XXXX and deposited a tax return. The next XXXX transactions were also tax returns of XXXX, XXXX and I believe XXXX. I have made only XXXX transactions in total. I've never used online banking, never a debit card, and specifically never made a single withdrawal, this is my XXXX account. I went in to the bank on XX/XX/XXXX and was told my account was purged, they said via XXXX fraud. I filed a fraud complaint in the branch with the manager via office phone. 
On XX/XX/XXXX I called the bank for an update. 
I was told a letter was sent XX/XX/XXXX that have not received. They couldn't/would n't show me that letter. The manager XXXX XXXX told me that the letter said my claim was denied! They have never given me a single piece of paper showing me my account, the transactions, any letters orclaim info. NOTHING! 
Please help my girl friend is currently battling XXXX XXXX and undergoing treatments ( XXXX, XXXX, etc. ) This money was my intention to surprise her with a vacation upon completion of her illness.
Product: Credit reporting or other personal consumer reports

DELETE THESE INCOMPLETE AND INACCURATE ACCOUNTS, INQUERIES FROM MY CONSUMER REPORT.
Product: Prepaid card

Hi I called us direct express plenty of times and wanted to file a dispute with them for refusing to get my funds onto a card there now I need help
Product: Debt collection

The accounts llsted below is a violation of the NO SURPRISES ACT, Please delete them from all credit reporting agencies or I will be pursuing legal action. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Accounts reported as Account # : XXXX ( as identified on XXXX ), ( but identified differently on Equifax as account # : XXXX and differently on XXXX as account # : XXXX ) and also account number : XXXX ( as identified on XXXX ) ( but identified differently on Equifax as account # XXXX and differently on XXXX as account # : XXXX are reporting transaction history since the opening of these accounts and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights. Furthermore, as a Federally protected consumer, I now opt out of any and all authorization I, the consumer, may have given XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX whether written, unwritten, verbal, and non verbal to report my nonpublic personal information and all transaction history while reporting these accounts. 
All pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

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 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries, I have contacted the Creditors and they have No Evidence of Credit with them .Enclosed is a copy of my Identity Theft Report supporting my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX  says I have a 30 day late payment on XX/XX/2019, XXXX and XXXX says I have an on time payment. On another, it says I have a 120 day late payment on XXXX but on XXXX and XXXX it says I have on time payments.
Product: Checking or savings account

Capital One is having delays with their direct deposits starting on XX/XX/XXXX. No notice was sent out from their system until XX/XX/XXXX and stated that funds should be allotted this morning. Funds have not been received. The delay in notice is unacceptable. 

I also have a 360 savings account with them and know they have not been paying the appropriate interest on the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from Equifax that indicated that a credit inquiry was made by your company XXXX on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I have contacte both Equifax and XXXX several times by phone, and certified mail. this issue was ignored
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX - XXXX {$1300.00} Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX {$2500.00} DP OF EDUC - XXXX {$2000.00} DP OF EDUC - XXXX {$3500.00} DPEDXXXX - XXXX DPEDXXXX XXXX XXXXXXXX
Product: Mortgage

SunTrust bought my mortgage. I tried to set up recurring payments online. I accidentally went on the 'one time payment ' page and when I realized it I tried to cancel and go to the 'recurring payment ' page. It asked if I wanted to cancel and I clicked 'yes '. Then I set up a recurring payment. It was then that I realized SunTrust had taken two payments. My wife and I have spent several hours this week trying to get the second payment back by jumping through all of the hoops SunTrust required to prove the transaction happened-DESPITE THE FACT SUNTRUST SENT US NOTIFICATIONS THAT IT HAD RECIEVED BOTH PAYMENTS!!!! I even went to a branch of the bank from which the funds were transferred ( XXXX XXXX ) and got a printed statement and a signed letter from a bank manager stating that the funds has been dispersed. Today I called SunTrust and they told to me to fax them the documents. After redacting everything on the XXXX XXXX statement - except my name, account number, and the transaction amounts to SunTrust - I faxed it to them. A representative just called back and said they wouldn't refund my overpayment unless the document showed my checking account balance after each of the transactions to make sure it wasn't a negative balance. I asked why, if they had received both payments, they would care if it was a negative balance ( XXXX, it was not a negative balance ). She couldn't answer that. I said that was private information between me and my bank and was none of SunTrust 's business - ESPECIALLY since they had received and deposited both payments. I asked if she would want to show a third party any balances on her banking accounts. She answered, " Yes, if I wanted to get my money back. '' Isn't that called blackmail? I sent them the information they requested but I feel that they have gone way too far with this request/issue by delving into my personal information they have no right to. I have now XXXX SunTrust and am shocked by the number and scope of the complaints against this bank. If I was rich I would pay off this mortgage right now just so I would never have to hear/see the name of this unscrupulous bank ever again!
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
NAVY FCU XXXX Balance {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update and correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX WYOMING Please update my name to : XXXX XXXX My only social security number is XXXX I do not wish to have any telephone numbers on my report. Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

All necessary documents were submitted on the first attempt, and TransUnion is falsely claiming ( lying ) that they have not received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a letter to the XXXX credit bureaus, asking them to correct errors on my credit report. I promptly received responses from XXXX and XXXX XXXX showing the corrections, but I still have not receive ANYTHING from Equifax. I 've even sent follow-up letters. Still : No response from Equifax.
Product: Debt collection

On XXXX/XXXX/XXXX, I sent out a debt validation letter to XXXX XXXX XXXX about account XXXX. They received the item on Friday, XXXX XXXX. 

They responded within 30 days, however they are still attempting to collect the debt from my, although it is past the state of Florida 's Statute of Limitation. Proof of there attempt to violate Chapter 95, Section 11 ( b ) of the Florida Statute of Limitations is attached, listed at the bottom of their document. They state : " This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose ... '' I have grounds to pursue legal remedies if this issue is n't resolved immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/year> EQUIFAX MORT XX/XX/year> : EQUIFAX MORTGAGE SOLUT XX/XX/year> : XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax Credit Bureau ( " DATE OF PREVIOUS LETTER '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I was going through my Credit report and saw a few hard inquiries which I dont recognize in total 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

I suddenly moved during the pandemic and I alerted the Company. My address was not updated and I do not have online access and never set it up. The law requires that I must receive my bill in time to pay it which I did not. The company refused to remove late fees interest and a XXXX late from my report stating that I had online access when this is not true. If this isn't resolved I will contact the ombudsman of the CFPB to intervene. I have never been late and my account had a XXXX balance.
Product: Checking or savings account

Albert, which is, I guess, a banking app., has been sent me an account statement update email. The text read as such : " Your XXXX Albert Cash and Albert Savings statements are now available to view in the app. To view them, go to the profile tab ( ) > tap the menu icon > Documents. '' This was sent on XX/XX/XXXX. I immediately replied to the email, to their support team, that I'd never opened this account and wanted some answers. I asked them to cancel the account. However, they then asked me for my full name and date of birth on XX/XX/XXXX, which is very sensitive personal information that could be used to steal one 's identity ; a quick XXXX search tells of the dangers of sharing just this information. I refused to give this information online, and asked that they call me on the phone or send me a phone number. They told me they only offer email and text support, and their messages seem to be AI-generated. I can't even get a name of who I'm speaking to from them. So, I'm very frustrated and this bothered. Either, it seems, my identity was stolen and used to create an account with this company, which I can not now close. Or this company is actively attempting to phish my personal information. 

Albert 's website is here : https : //albert.com/ This seems like a highly untrustworthy company, and I hope they can be investigated for the way they're treating people 's personal information and potentially enabling identity theft.
Product: Credit reporting or other personal consumer reports

Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) .This account was opened from XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is not in XXXX. I should have active payment history from XX/XX/XXXX to XX/XX/XXXX. TransUnion reported from XX/XX/XXXX to XX/XX/XXXX. It again reported another conflicting date of last payment of XX/XX/XXXX. This is inaccurate payment history reporting. The investigation result avoided addressing the issue I raised. This inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit. TransUnion failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the Account name : XXXXXXXX XXXX.