23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a complaint to XXXX XXXX XXXX of Wyoming XXXX Their response " XXXX XXXX, thank you for contacting XXXX XXXX XXXX to allow us the opportunity to address your concerns. When we received your correspondence, we immediately ceased all collection activity and began our investigation. We have closed your account in our office. As a courtesy, we have also requested that the credit reporting agency delete this account from your tradeline. Should you have further questions, you may contact us at XXXX during normal business hours and an associate will be glad to assist you. '' This is per CFPB Case XXXX. The account still shows on my transition record.
Product: Credit card

NATIONAL ENTERPRISES SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEND ME A BILL FOR XXXX WITH DIFERENT NAME IN MY CREDIT REPORT XXXX XXXX XXXX = NOT ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

My wire transfer was sent on the wrong date. On XXXX I submitted a request for {$10000.00} to be wired on XX/XX/XXXX. Instead, Citibank sent it on XXXX. When I called to tell them they incorrectly sent the funds immediately, they said they would recall the wire and also confirmed there would be no fees associated with the recall. The returned money was received on XX/XX/XXXX in the amount of {$9900.00}, so {$50.00} was missing. I called 3 times asking for Citibank to resolve this and credit me my {$50.00} for their error. The associates were not able to help.
Product: Debt collection

Enhanced recovery erroneously created a 1-month debt collection on my XXXX   credit report. I discovered this while applying for a home loan. They put on as a debt in XXXX and said it was paid in XXXX. Leaving on my XXXX Credit report. I am requesting that this company immediately delete this entry in my report. 

6. ENHANCED RECOVERY CO XXXX XXXX XXXX ) Decode XXXX I XXXX XXXX XXXX CLOSED XXXX CURRENT XXXX XXXX XXXX XXXX XXXX XXXX Hist : XXXX XXXX CLSD XXXX APP Ctgy : COLLECTION Term : 1 MO ACCT SUBMITTED TO COLLECTION PAID 14. ENHANCED RECOVERY CO L ( XXXX ) ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, are debt collectors attempting to collect a debt of {$15000.00} ( or any variations ) on behalf of XXXX XXXX XXXX I have not received any services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have not provided any releases of my private information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have no idea how XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained my private information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are attempting to collect on an alleged debt that does not belong to me. This alleged debt was SOLD/TRANSFERRED to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide the accounting in accordance with G.A.A.P. XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to Furnish the name, address, and telephone number of the authorized representative that purchased this alleged debt. 
As per XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.
Product: Credit card or prepaid card

They add fees ( late fees, over limit, nsf ) to the minimum payment instead of you balance increasing you minimum payment. This cause payments to be missed and negative credit reporting when you can't afford to pay the very high minimum payment. This in my situation has caused me to close these cards and pay balance to payoff card..but they are still charging fees and interest when the accounts are closed. These cards are predatory.
Product: Credit card or prepaid card

I called customer service to have an item purchased by mistake on my Bank of America credit card cancelled, and they took the liberty of stopping my credit card without my permission. I had spent my own money to customize my credit card and now I can't use it because of their self-righteous decision. I am trying to claim the cost of the XXXX XXXX  XXXX card, but the XXXX direct team is forcing me to call them anyway with the excuse that they need my account number information, when all I need to do is send them a check. ( Of course I have not been reimbursed. ) This attitude by Bank of America has been going on for years and I would like to file a class action lawsuit because I am sure there are others out there who have suffered the same thing.Please instruct them to change their coercive and bureaucratic attitude toward their customers and promptly refund the amount of damage I have suffered, {$160.00}. Thank you in advance.
Product: Checking or savings account

I logged into my USAA Checking account this past Sunday and saw a {$900.00} transaction through XXXX sent to someone named XXXX XXXX. I checked with my husband, the only other person on the account, and he did not authorize this. I reported it as fraudulent to USAA and USAA said that they had security logs to show it was not fraudulent. Neither my husband nor I know anyone by this name, and neither of us authorized {$900.00} to be sent to them. Anyone that would be able to get access to my USAA account would also have access to my email account since I log onto both accounts at work and at home from the same devices. If one account is compromised, then both accounts would be since they are linked. Since XXXX is a platform supported and provided by my bank for use, why should I be out the money that was taken from my by their program without my authorization?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX Date Opened : XX/XX/2020 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Mortgage

XXXX XXXX XXXX got me a mortgage for my primary residence, owned by XXXX XXXX XXXX changed the service to My Loan Care ( myloancare.com ). Final monthly payment was paid to XXXX, but was not reflected in my mortgage. XXXX either did not send the payment or My Loan Care lost it. Both companies have given me the runaround since XXXX. I have no solution. 

Loan # : XXXX
Product: Mortgage

I am very frustrated with SLS they dont want to offer me principle forgiveness, even though my loan is eligible. I had to pay for the for a new appraisal because SLS was stating my home is not worth {$230000.00} after paying for the appraisal my house was worth {$35000.00} only. However ; now they have increase the value purposely for their own benefit. This needs to stop I have tried to work directly with SLS. But unfortunately they keep making me re-apply. All I want is a fair review, I am tired of all the fraudulent claims SLS is using against me to prolong my loan, making me fall more behind. I am an elderly men and my family is helping me to contribute towards my household. SLS has all the proof of my current income which is {$XXXX}. My monthly expenses are {$2000.00} includes my monthly mortgage payment and utility bills. However SLS still stated I dont have enough for an affordable mortgage even though, I have a {$300.00} surplus. Like I have mention my home is severely under water and is only worth {$35000.00}. But SLS keeps changing the value for there benefit. I am tired all I want is fair review and to keep my house. I can not help but to think that SLS engages in fraudulent and deceptive practices during a modification review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

f proof Liability of holder of credit card XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.

5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, VA XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and immediate action is needed to correct this. 

INQUIRIES : - 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 XXXXXXXX -- XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report fraudulently a business debt opened on a different tax identification number to my personal credit report. XXXX XXXX is committing fraud by putting a debt on a different person. The fraud continues after reporting and disputing. No proof has ever been sent to me that this is my contract or has anything to do with me. All disputes have been ignored, and never really investigated as to the origin of the dead from a failed business seven years ago with a similar name. I have filed a fraud report with the FTC report number XXXX. The FTC report also includes Equifax fraud by reporting the same business on personal credit report. And never showing any proof of debt or contract. Equifax is also reporting a BJs club condemned the bank that is also a bit of time not related to me and XXXXXXXX XXXX which has never been proven to be mine or any contract provided or proof of real debt.
Product: Money transfer, virtual currency, or money service

Cashapp allowed numerous accounts to fraudulent transactions that i was targeted by online. Fake investors and scammers that casually convert peoples money into crypto and transfer it
Product: Credit card

On or about XXXX of 2022, I tried to open a credit card with Best Buy and I was denied, yet wasnt given a reason as to why I was denied. All I was told was, there was something wrong with my I.D . I didnt think anything of it, I just accepted it and moved on, although I thought it was strange as I had really good credit and shortly after I was approved with XXXX other credit cards. Then recently, I saw a post on social media about Citibank being sued for denying applications for people of Armenian descent. I thought, wouldnt it be crazy if Best Buy was a Citibank card and to my surprise, it was! Maybe thats why there was a, problem, with my I.D .
Product: Checking or savings account

I am following a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has sided technical issues which violates the. Electronic Funds Transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.

Thank you for your time and attention in this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Credit reporting or other personal consumer reports

i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and XXXX transunion, XXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. 

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Debt collection

Ive never had any dealing or account with XXXX XXXX XXXX and I am not sure why Experian and XXXX has allowed this company to report to debt to my credit file. I have not given Experian or XXXX the okay to report this bogus account to my credit file. This has violated the Fair Credit reporting Act. I will get an attorney involved over {$100.00} if I have to to file a lawsuit against XXXX XXXX, Experian and XXXX for reporting this bogus account. XXXX XXXX is known to buy bogus debt accounts and try to collect and have no ownership of these accounts. Please provide ownership of this account and where you obtain this bogus account from. If not removed I will file a case a sue for {$1500.00} per incident
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian 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 credit card opened at XXXX XXXX on XX/XX/2021 under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires are the result of identity theft and fraud
Product: Debt collection

I spoke with a representative at Maury Cobb : XXXX on XXXX/XXXX/2016 at approximately XXXX CST. I asked repeatedly if he had access to the final bill from XXXX, and he refused to answer me. He said the debt was about to be transferred, so " Why should I give you that when it 's about to be transferred out? '' I asked him repeatedly if he had access to the final bill, and he refused to answer yes or no.
Product: Mortgage

In XX/XX/year>, my insurance company, XXXX XXXX notified me that it was not renewing my insurance policy and many others because of a decision from the state insurance commissioner that it viewed as unfavorable and critical for it to continue doing business in the state. 

I purchased a policy from XXXX that became effective XX/XX/year>, the date my old policy expired. The new policy has a face amount of {$XXXX} and a {$XXXX} deductible, Both amounts are the same as my policy with XXXX XXXX Recently, I received a letter from XXXX stating that it was planning to purchase forced place insurance on my property because the deductible exceeds XXXX  % of the face amount of the policy. Even ignoring the fact that the policy has the same face amount and deductible as my last policy, the letter still doesn't make sense because the deductible is less than XXXX  % of the face amount. 

I stromgly encourage CFPB to open a comprehensive investigation of XXXX 's processes for forced placed insurance. This is the second issue related to forced placed insurance I've enocuntered with XXXX in the past year. I think they deliberately higher poorly educated employees and provide them with minimal training. I believe their goal is to maximize revenue from forced placed insurance.
Product: Checking or savings account

USAA has a predatory policy of requiring accountholders to wait 24 hours after any transaction has posted to the checking account prior to closing the account. This policy generates fee income for the bank, harms consumers, and is not consistent with the policy of other large financial institutions. I can walk into any competitor 's banking center, bring the account to a {$0.00} balance, and close the account on demand. I have repeatedly contacted USAA to close my account since XX/XX/XXXX. I was told initially that the account could not be closed on XX/XX/XXXX because there is a 5 day required waiting period after any direct deposit posts to the account. Two NSF fees hit the account on XX/XX/XXXX and I transferred funds to bring the account to a XXXX  balance. Stop payments were supposed to have been placed so that any retry would be denied. I requested to close account on XX/XX/XXXX and again on XX/XX/XXXX, both days the account had a XXXX  balance. The representative again refused to close the account since " it has not been 24 hours since your deposit to bring the account to a XXXX  balance has been made. '' I have spent hours on the phone with USAA customer service and spoke to a supervisor, XXXX, on XX/XX/XXXX. I expressed concern with the policy that harms consumers and continues to generate fees for the bank, and XXXX stated " there is not even a button that allows me to close the account. '' I offered to drive from XXXX to XXXX XXXX to close the account in person. Again, I was told you can't close the account in person either. XXXX said he could see a returned item coming through the account and would wait until the next morning to refund the NSF fee and call me by XXXX XXXX on XX/XX/XXXX to confirm that he had completed the transaction. He did not follow through, and I called again to speak to a manager on XX/XX/XXXX. I was promised that a " supervisor '' would call me back. No one has called. USAA has failed to act in good faith, and hides behind the veil of the call center - not allowing customers to contact managers/bank officers with any meaningful authority. USAA even sent their own payments back through the account a second time for an insurance policy that had been paid in full ( valuable personal property ). Stop payments are not honored and more fees are assessed. This type of behavior led to a class action settlement in XXXX. I have been a customer for 12 years with no problems and have a credit score of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX  holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Mortgage

Mortgage representative, XXXX XXXX, with Quicken Loans specifically told me that my refinance loan would be locked in at 3.5 % with no points or closing costs. When I got the paperwork it showed 3.75 %. I have the emails and message board showing his promises.