23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I Contacted your agency before. then i called planet home lending again and they sent an email with new terms to stop foreclosure but they doubled the payment amount saying im having to pay lawyer fees etc. and that the payment would be doubled until XXXX and in the email paperwork it said that the actual fees for the attorney etc, could BE MORE. and that the status is still foreclosure until all of the money is paid. In other words, I might pay this money and they foreclose anyway on a whim, at least that is how I am reading it. 
Ever since I tried to make the payments on the property back inXX/XX/XXXXI have been given the 'we are foreclosing XXXX '. and they refused payment, even though I had a paper from them saying they would help, They even told me back then that since I 'm inheriting the property instead of being the actual owner of the loan, they were refusing payment from me and were foreclosing. 
Only after I said i would report them for predatory lending to a federal agency and sent them paper work from the county courts office showing I was also adminisitor and executor of the estate, did they accept any money. And after that, when I tried to make another payment, I got the same thing, over and over and over. 
I 'm not the only one this has happened to. 
I looked them up on the Better Business Bureau 's website, and NUMEROUS similar complaints have been lodged against them. Their rating on the site is a C+ I have also seen numerous complaints against them via reviews on XXXX XXXX. 
I believe my Civil Rights are being violated due to my age. and because I am a XXXX ( XXXX XXXX ) Now this is happening with the contract they have sent. no concrete fee 's from their attorneys and they can still foreclose at any time? Seems to me like MORE PREDATORY LENDING. 
They even told me before sending me this contract, that I should send them {$1200.00} as a payment, even though they were going to foreclose on the property anyway. I 'm considering looking into contacting Civil Rights attorneys about this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a XXXX XXXX XXXX account ( # XXXX ) on my Experian credit report. This account has been transferred to another lender without my knowledge or consent, which constitutes a breach of my privacy and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account from my credit report and request a thorough investigation into this matter. 

Issue Identified The XXXX XXXX XXXX account listed on my Experian credit report was transferred to another lender without my consent. I did not authorize this transfer, nor did I receive any notification or consent to this action. 

Violations and Impact The unauthorized transfer of this account and its continued reporting on my credit report violate my rights under the FCRA. This unauthorized action has caused confusion and concern regarding the handling of my financial information. The presence of this account may also negatively impact my credit profile and overall financial standing.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The reporting of an unauthorized transfer violates this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

4. Right to Privacy : The unauthorized transfer of my account without my consent constitutes a breach of my privacy rights, including the protection of sensitive information from unauthorized disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed bankruptcy on XX/X/17. I included XXXX XXXX in that bankrtupcy. My bankruptcy has not been discharged. I keep getting harassing emails from them. I know some could be scam. They need to leave me alone Notice LOAN INFORMATION : Docket Number : XXXX Case File # : XXXX XXXX XXXX Past Due Amount - {$780.00} CREDITOR - XXXX XXXX XXXX Accounting Department of XXXX XXXX XXXX has marked this case as a flat refusal and press legal charges against you. 

We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your wages will be garnished too. 

The total outstanding amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$2800.00} must also be paid, in addition to the debt. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating. 

If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX XXXX XXXX XXXX XXXX between XXXX XXXX  to XXXX XXXX ( EST ) XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright 2017 XXXX | Privacy | Terms of use
Product: Money transfer, virtual currency, or money service

I receive money direct deposit every Friday from my ex husband. I'm just trying to figure out why on holiday weekends, my funds are not posted til Monday or Tuesday. I know it's not on my ex 's end, ( it's his bank ). It's always on time, every other Friday. My ex uses Citizens bank, ( They say it's my bank ). I use XXXXXXXX XXXX XXXX XXXX. My bank says it's Citizens. I'm just wondering if there is anything I can do. I'm on XXXX and live on Fridays money to survive. 
Thank you
Product: Credit reporting or other personal consumer reports

Collection Letter : Per the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
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 : A consumer reporting agency can not furnish an 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 or 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 or other personal consumer reports

In XXXX XXXX XXXX I closed my previous business account. At this time with XXXX XXXX  I had a revolving credit line of {$26000.00}. As someone who has relied on automatic payments for over a decade, this one slipped through the cracks. Apparently for two months XXXX charged me late fees and returned payment fees. This affected my credit score by about XXXX points. Ive always had excellent credit score. It was not my intention nor willingness, but quite frankly XXXX not sending me any regular usps mail notifications of this. Instead, they lowered my credit to {$500.00} in XXXX and XXXX. 

When I realized that I had not updated my bank information for them to receive the automatic payments I called them and they investigated. Since Ive been a loyal customer for many years they reinstated my credit limit to {$26000.00} in XXXX. 

Summer is a very busy month for my Business and unfortunately due to an error which was caused by my assistant who did not keep me posted, I suggested immense credit loss. 


XXXX said theyd report to the agency so I can get my credit score repaired but we are in XXXX XXXX  and still at a fair rating. 

I expected XXXX to take a more proactive approach but now I realize I must File this complaint. 

Thank you in advance for helping me.
Product: Checking or savings account

My previous complaint that I sent was there was additional charges on my account and they just disregard. They said the transactions were all authorized and made by me which wasnt. Attachment below is their response to my email. I have never once used XXXX XXXX because its too risky for my just having my card just added to sone mobile phone. I do not know who had access nor had my card at the time and they were able to access it. Now Im being blamed for my card being sent to the wrong address. I couldnt even lock my card from the app until its been activated and still now I still dont have the card that they were supposed to send. When I talked to one of the customer service about the fraud they had me update my billing address so its not my fault to have my card sent to the wrong address. They also had my account closed for no reason. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries should not be on my credit report! BRCLYBANKDE ( Credit Inquiry on XX/XX/XXXX ) BRACLYBANKDE ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 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. XXXX ) 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. These are the accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX  under the account number ( XXXX ), an account opened at XXXX XXXX XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX ), an credit card account opened at FIRST PREMIER under the account number ( XXXX ) an credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX under the account number ( XXXX ) and a collections account opened at XXXX XXXX on XX/XX/year> with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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 card

On XXXX XXXX, I purchased a refrigerator from the sears online outlet. The cost of the refrigerator was {$1400.00}, the fee to deliver the refrigerator was {$380.00}, I also purchased a protection agreement for the refrigerator for {$490.00}. All of the charges related to the purchase of this refrigerator, total {$2300.00}. All of the charges were processed and I have been billed for them on my Sears credit card, but the refrigerator was never shipped and therefore, I never received it. 
I have called the outlet store in XXXX, Michigan ( XXXX ), that processed all of the charges, but failed to ship the item, multiple times. I have called the bank that manages the Sears credit card, multiple times ( XXXX ). I opened a dispute with the bank that manages the Sears credit card, and I have finally received a credit for {$1500.00} for the purchase price of the refrigerator, including tax. And I have finally received a credit, for the {$320.00} delivery fee, that I was charged for delivering that same refrigerator, that was never delivered. But the dispute was closed without giving me credit for {$490.00}, for the protection agreement that I purchased to protect the refrigerator, that I never received. I have nothing to protect! 
I do not have the refrigerator, a credit has been issued for the refrigerator. Because the refrigerator was never shipped. 
I have been credited for the delivery fee, since nothing was delivered. 
For some reason, Sears and the bank that manages their card, continue to bill me {$490.00} to service a product that I do not have. I need to be credited for the protection agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly reported a 120 day late payment on my credit report. I disputed the error. XXXXXXXX XXXX sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, XXXX continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XXXX XX/XX/2022 I found a unauthorized charge to my credit card LL bean mastercard issued by Citibank. Last four XXXX. 

I contacted card company on XXXX XX/XX/2022 to report the misuse of my credit card by the electric company XXXX putting a charge of XXXX on my credit card. After calling the electric co. and was lied to that I made these charges I called the Citibank to file a complaint. I spoke with a person named XXXX who had told me that although the electric co. was to refund my money less a service charge and that Citi would refund me the XXXX service charge. 
Well the money was never refunded nor was the XXXX service charge. She gave me this reference number XXXX. 
The reason for my action is the XXXX electric of XXXX had used my credit card without my permission and a service charge on top of my original bill. 
This person at citibank only seemed to be placating myself. I received nothing following my attempt to file a complaint with citibank. I do not believe any action was taken. Thank you.
Product: Credit card or prepaid card

First and foremost, Discover is in violation of numerous consumer credit laws. I used my credit card as defined by 15 usc 1602 ( l ) to enter into a consumer credit transaction with Discover. Since then, they have been sending me deceptive forms as described in 15 USC 1692j for me to pay on an alleged " debt '' when in fact, I am the original creditor and the consumer. Pursuant to 15 usc 1692c, I have informed them in writing that I wish to no longer pay on this alleged debt. 15 USC1605 ( a ) states that " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '', but in contrast, Discover has taken a plethora of comparable cash transactions ( ACH payments ) over a course of time.
Product: Credit reporting or other personal consumer reports

Someone stole my ID and social security number and used it without my consent and knowledge. The person also received an XXXX XXXX XXXX XXXX XXXX in my name. I am writing to request and initiate a formal complaint against XXXX, TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I have banked with Wells Fargo for over 15 years and have multiple accounts with them ( personal checking, personal savings, credit card, business checking ). I walked into 3 different branches today and neither of them would open an account for me. The first location ( XXXX XXXX XXXX XXXX, XXXX, CA ) said their business banker called in and they cant help me. Nobody inside that branch was able to open a bank account for me. Then I went to the second branch ( XXXX XXXX XXXX XXXX, XXXX, CA ) and after waiting in line for 30 minutes the bank teller said they don't have any bankers available for hours that would be able to open an account for me. Then I tried a 3rd branch ( XXXX XXXX XXXX XXXX, XXXX, CA ). Not one customer was inside the branch. There was 2 tellers and 2 bankers at desks. The teller tried her best to get me setup with a banker but she said he had appointments all day and its best to make an appointment. So I went online to Wells Fargo to make an appointment for one of the 3 branches I went to, and the soonest appointments as of today XX/XX/XXXX to open a bank account is XX/XX/XXXX, XXXX, and XX/XX/XXXX. I am an existing personal and business customer of Wells Fargo for over 15 years, and 3 branches turned me down to open up another account, and when I called the 800 number to make an appointment with a banker at a branch to open an account, 10 days was the soonest. Wells Fargo has gone way down hill since my family started banking with them 70+ years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX, Nordstrom/TD Bank USA, and XXXX. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Mortgage

Our home had a foundation problem that was very bad. Had to send papers to mortgage company where we had a special engineer come in an give us cost home much it was going to cost to fix foundation. Was going to cost us XXXX dollars to fix..was working with mortgsge company ona deed in leiu. But never heard anything back. All i got was my wages garnished..