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

On XX/XX/XXXX I received a deposit from Social Security. I got a text message, which I thought was it was from my bank, asking me if I approved a transaction in XXXX, Georgia. I replied no and then someone called me right away. He said he was from SoFi, and he asked me about several other transactions that were from my card. Some of them were approved transactions and some of them were transactions I never heard of. He then told me he wanted to help me to secure my account so he said he would assist me i changing my password. This happened during a time where I was busy doing other stuff, so I was bamboozled. He accessed my account and tried to send a {$400.00} payment to someone. I immediately tried to cancel the payment, it worked, but then they sent a XXXX to someone else named XXXX. I could bot stop the transaction. I notified the bank, they investigated and resticted my account. The bank refused to refund me.
Product: Mortgage

This complaint is filed against : First Horizon Home Loans, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and their representativesThere are clear violations of TILA, FDCPA, RESPA, Consumer Fraud, Mortgage Fraud, Mortgage Servicing Fraud, unfair, deceptive, abusive and bad faith acts and practices. I could only select one option below, even though there are multiple deficiencies, violations, predatory lending, fraud and lack of standing. In XXXX 2007, we refinanced our home at XXXX XXXX XXXX - XXXX NJ XXXX with First Horizon Home Loans. We were told of a lower interest rate that changed at the time of closing. We had a VA loan at 5.75 % the bank took advantage knowing we were refinancing trying to eliminate debt. We were strung along for years being promised a loan modification and forced to resubmit multiple loan mod applications. We were deceived to believe we would get a loan mod and were never put on a trial period even though we appointed and were working with a HUD certified counseling agency the bank refused to communicate with them. While they were proceeding with the foreclosure behind our backs. We also discovered the process server fraudulently claimed he had served my wife XXXX XXXX " a XXXX woman '' when in fact my wife is XXXX and was never served. There was confusion and they did not give clear answer to who had the Note, whom was the servicer, whom was the lender, whom was the bank. They used fear tactics, gave unclear answers and tormented us telling us we would be thrown out of the house by the Sheriff on several occasions. I finally realized their Fraud and Bad Faith, I filed consumer complaints against them with several Federal & State agencies they retaliated by denying the loan modification and expedited the sale of my property at sheriff sale within 3 months. During the XXXX months they issued multiple " stay of sheriff sale '' and failed to give us proper notice with an intent to confuse, torment and cause us to use our XXXX " 2 weeks stay of sheriff sale.
Product: Debt collection

did not give the Mini Miranda until after attempting to collect the debt. 
The collector had confirmed my identity and proceeded to her collection script. Only after " I '' mentioned she had not given the Mini Miranda that she proceeding in reading it.
Product: Checking or savings account

On XX/XX/scrub>, 2025 I noticed a charge from my dent card for XXXX dollars. I know I didnt make any purchases for that amount since I was traveling thy day and it wouldve been impossible. Upon review, the charge was direct from my debit card to another card linked to a XXXX account. I do not have a XXXX card, I called and verified. I then looked at all my previous statements available through my bank, there had been so many transactions for XXXX, XXXX around the same time of the month for a very long time. The amounts were small enough were I wouldnt notice. I have filed a fraud dispute and I really do hope to get some of the money I lost back. My card did not alert me to any fraud activity at all since it looked legitimate.
Product: Debt collection

Diversified Adjustment Service, Inc. At XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , MN XXXX, has been sending me collection notices in the amount of {$1600.00}, the collection has been as reported pass due. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under

15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my repor
ts. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

I received a cancellation of debt notice from XXXX , XXXX dba XXXX XXXX , XXXX in XX/XX/2018 indicating that a debt that I supposedly owe XXXX XXXX had been discharged in the amount of {$1200.00} dollars. 

On XX/XX/2018, I sent a letter along with a copy of the cancellation of debt notice to XXXX , XXXX dba XXXX XXXX , XXXX disputing this alleged debt and requested validation of the debt. Thirty days passed with no response from them. After failing to respond to my request, a second request for validation of the alleged debt was sent on XX/XX/2018. I included a copy of my previous letter, a second copy of the cancellation of debt notice, and a copy of the mail receipt showing that XXXX , XXXX dba XXXX XXXX , XXXX received my first request for validation of debt letter on XX/XX/2018. 

XXXX , XXXX dba XXXX XXXX , XXXX responded with a letter and a copy of a check that I supposedly signed and cashed ; however, after carefully reviewing the check, I still disputed the validity of the alleged debt. The check states that a Payees endorsement and 2 forms of ID are required. XXXX , XXXX   dba XXXX XXXX , XXXX did not enclose a copy of the 2 forms of ID used proving that I indeed endorsed the check. Identity theft is rampant in the world that we live in today, and a signature can easily be forged by anyone. 

I am requesting that this item be deleted immediately from my credit file because XXXX , XXXX dba XXXX XXXX , XXXX has failed to validate this debt. Please send me an updated copy of my credit report reflecting this change. 

Sincerely, Enclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX date opened are different from transunion then XXXX transunion date opened is XX/XX/XXXX XXXX  date opened is XX/XX/XXXX date of last active are different from transunion then XXXX transunion date of last active is XX/XX/XXXX XXXX date of last active is XX/XX/XXXX please delete this acount for multiply inaccuracies
Product: Mortgage

I purchased a house with my husband in XX/XX/XXXX. He refinanced the mortgage without my knowledge in XX/XX/XXXX. He moved out and stopped paying the loan, forcing me to make payments from early withdrawals from my IRA. I requested a XXXX from the loan servicing company for tax purposes, but was denied this on the grounds that my name is not on the note.
Product: Debt collection

EQUIFAX -- you have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Product: Credit reporting or other personal consumer reports

I used Lexington law for credit repair and I was paying monthly it looks like things where coming off my credit and then they started to reappear after making all my monthly payments. So the services I paid for was not done and I lost hundreds of dollars for nothing!
Product: Checking or savings account

Bank of America and XXXX are refusing to return money that was stolen from my checking account using XXXX. I was a victim of theft on XX/XX/2022 in XXXX XXXX, LA. My cell phone, credit cards, debit cards, driver 's license were all stolen. I filed a police report with the XXXX XXXX XXXX XXXX. Bank of America did not remove my phone # from my account after their customer support indicated they did. THEY CONTINUED TO ALLOW THE THIEVE ( XXXX ) TO USE MY STOLEN MOBILE PHONE TO RECEIVE THE SMS 2 FACTOR AUTHENTICATION CODE AND GET INTO MY ONLINE BANK OF AMERICA ACCOUNT. These transactions were not initiated and were not authorized by me. My Phone was stolen. Posting date XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$1000.00} DescriptionXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX category Cash, Checks & XXXX XXXX Other Expenses Posting date XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$2500.00} DescriptionZelle Transfer XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX Amount- {$2000.00} DescriptionXXXX Transfer Conf XXXX XXXX XXXX XXXX XXXX Merchant XXXX XXXX XXXX Transaction XXXX XXXX, Checks & Misc : Other Expenses Posting date XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX XXXX {$1500.00} DescriptionXXXX  Transfer Conf # XXXX XXXX XXXX XXXX Merchant name XXXX XXXX XXXX category XXXX XXXX Checks & XXXX : Other Expenses
Product: Credit reporting or other personal consumer reports

XXXX app alerts have been popping up with XXXX XXXX XXXX XXXX. Saying my information is on the XXXX XXXX and to change my passwords on my accounts. 
I don't recognize these inquiries so please have them deleted from my reports. 

Transunion- XXXX XXXX XXXXXX/XX/2023, XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX , XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXXXXXX XX/XX/2023, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

My data was breached on all three credit bureaus, I would like my credit reports wiped. 
Reference # XXXX
Product: Credit card or prepaid card

this complaint is for the USBANK RELIACARD, They have repeatedly locked my card restricting access to my funds, i have turn in all necessary documents that was requested several times, I have copies of proof of me emailing, faxing, uploading documents ... I call there everyday begging them to release me funds what more do they want, all this over Me calling in a dispute because I had my information stolen my unemployment money while I was incarcerated. Expecting that money theyre part of my release it wasnt so I filed a dispute and they reimburse me my money immediately froze the account restricted my card access asking me to identify myself through the portals On their website fax number Or upload through the mobile app since XX/XX/XXXX I have done that literally 26 times .I have called 2 to 3 times a day every day since Ive been lied to I have been misinformed its so bad that the person who stole my information and my money their number is still associated with the account because they cant remove the restriction in order to update the numbers so the criminal is still getting alerts about my money And theyre asking me to identify myself which Ive done a really stupid amount of times for them to tell me that they couldnt receive they didnt receive my message are they didnt get my verification I mean I have confirmation numbers Ive documented literally every call every second every person I spoke with somebody please help child support is due XXXX got kicked out of my place Ill slip in the snow and I have no money unemployment and they reported my address changed, these people been blocking my card every since. I sent my ID, SOCIAL, LEASE, TAX RETURN, They claim they are not receiving my selfie that they request me to take Ive take several times on there website. As of now my children and I are in the dark because i cant get my funds off my card and pay my bills. please help
Product: Debt collection

My information was provided to a 3rd party company to collect but I have no documentation with them stating I am to pay a 3rd party company
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the incorrect items in my file that caused by inaccurate credit information but I still have ITEMS left that needed to be removed. Despite submitting an FTC report, these items remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries and erroneous information listed below. This letter addresses several unauthorized hard credit inquiries and erroneous information on my credit report, with XXXX ( XXXX ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This letter serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Payday loan, title loan, or personal loan

I am a very good long time customer who has had numerous car loans, credit cards, and a personal loan with US Bank. Initially when covid started they denied deffering any payments, then offered it after a complaint, now they are back to not offering any relief for people like myself who is impacted as a XXXX. I called on XXXX spoke to XXXX and she said they are not offering more extensions and not offering to help anyone. US bank is a very large dominant bank and not helping people impacted. Other major banks have extended their Covid relief program but USbank continue to not be cooperative. 
They continue to charge interest on my credit cards and negatively report to the credit agencies that I am over the credit limit. This is unfair practice. I have attached the screen shots showing that they offer assistance, then when you click on it, it says you maxed out, and call in, when you call in then they straight out deny.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2023 and XX/XX/2023, my automotive account with AMERICAN CREDIT ACCE was removed from my credit report because a violations of federal laws that protect consumers. Because of this improper reporting they violated 15 usc 168 ( a ) ( 4 ) -Accuracy and fairness of credit report, to which the consumer agency has to respect my rights to privacy. 
also they have violated 15 usc 1681a ( 2 ) ( i ) -Exclusions, the consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report, reporting payment history an credit utilization violates my consumer rights.

they also have violated 15 usc 1681b- Permissible purpose of consumer reports, the consumer reporting agency can only furnish information In accordance with the written instructions of the consumer to whom it relates and i have not given my written instructions. 
also 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, to which they have not done on my behalf which has caused me great pain an suffering due to the fact i cant obtain a loan for {$30000.00} that i needed for a new home.
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. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2300.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Overdraft fees when allowing me to purchase items when I didnt have the funds.
Product: Mortgage

i have been dealing with Carrington. They, at this time, keep asking for more information and will start taking payment and then stop. The house and everything was supposed to be switched into my name, and then it keeps going back into my mother 's and father 's name. Then I have to go back to the first steps to get them to talk to me. But they still requested information in my parents ' names, who both passed away. 
last state showed XXXX to pay off now they want over XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXX and XXXX XXXX XXXX account number XXXX
Product: Student loan

I called and asked Navient to stop robo calling me and my cosigner 's phone number because I was XXXX days late on my XXXX. I told them what date I would be making a payment and tell me that because it is an automatic dialer they can not stop the harassing phone calls. 

I just want them to stop calling. Can I get some assistance with that?
Product: Credit reporting or other personal consumer reports

am writing to file a formal pre-litigation dispute against Experian and XXXX for their continued inaccurate reporting of an account on my credit reports. Despite numerous attempts to have this account deleted, it still remains incorrectly listed. The details of the account are as follows : Account Name : Prestige Financial {$13000.00} Dispute Reason : I have repeatedly provided a copy of the XXXX form indicating that the debt has been forgiven. This documentation has been ignored by both Experian and XXXX. The account should reflect a XXXX balance, as the debt was forgiven and claimed on my taxes. 

I am requesting deletion of this account one final time before proceeding with litigation for violations of the Fair Credit Reporting Act ( FCRA ). I am including a copy of my credit report showing that XXXX reports the balance as XXXX, along with the XXXX form once again. 

Please ensure that this account is deleted for all inaccuracies. Failure to address this issue will leave me no choice but to seek legal remedies for the damages caused by this continued inaccurate reporting.