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

Dear CFPB, My name is XXXX XXXX XXXX and I am writing to demand the removal of an inaccurate collection from my consumer report and compensation for my time and effort in disputing it. The account in question is XXXX  XXXX account # XXXX its showing on my consumer report without my consent. I have no contract with XXXX and have given no consent for the to use my name, likeness or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires Credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C. 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the reports relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX  Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under federal laws such as 18 U.S.C 1341 ( Mail fraud ) and 18 U.S.C 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my consumer report and also compensate me for my time and effort disputing it. Thank You for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Applied for a checking account with Capital One with promotional code " XXXX '' and after meeting all the requirements Capital One has only awarded me {$200.00} of the {$400.00} that was stated in the terms.
Product: Mortgage

XXXX XXXX Purchased PPH Mortgage and have developed a specific website that does not allow payments via the web so they can keep and earn the float and force people to pay by check via mail. 
https : //phhloansphereservicingdigital.bkiconnect.com/phhm/ # /payment https : XXXX The Link simply circles back to the log in page. I have tried the 4 top browsers and they have not written it in XXXX so it would / could work with any / all 4. They are driving people to be late on their mortgage payments through faulty IT infrastructure but encourage people to sign up and pay via the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting balances on  XXXX   XXXX    XXXX   XXXX   and  XXXX    XXXX   XXXX  .   The accounts have   XXXX   balances.   XXXX  The account balance of  XXXX   XXXX  is incorrect by {$610.00}. The balance is {$2000.00} not {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Capital One, XXXX stating they were furnishing inaccurate information on my Consumer Report. After identifying this fraud, I was informed by Capital One, NA that they would be sending a request to the Consumer Reporting Agencies to have this inaccurate information removed. However, it has been over XXXX XXXX and this negative, inaccurate information is being furnished. I contacted the Consumer Reporting Agencies and was informed that they never received the deletion letter. Capital One, XXXX is continuing to ruin my financial reputation and shall be fined {$1000.00} per day upon receipt of this notice for willful and negligent noncompliance pursuant to 15 U.S.C 1681n and 15 U.S.C. 1681o.
Product: Mortgage

Wells Fargo made errors with my COVID-19 mortgage forbearance process and its preventing me from qualifying for a new mortgage. 

On late XX/XX/2020 I requested forbearance on my mortgage. We froze payments as of XXXX. In late XXXX, after missing 3 payments I called and asked to resume payments. The representative told me they will defer the missing payments to the end of the loan and Ill be  able to make payments starting XXXX. To date, XX/XX/XXXX, Wells Fargo has not deferred the missing payments. I called several times to resolve this and the Wells Fargo agents keep providing contradictory information, saying that the loan was never on forbearance ( even though I have letters from them indicating that it was ) The loan now shows delinquent, i made a payment in XXXX that shows that it was applied for XXXX payment. I cant get a new mortgage due to this per the new guideline and now I cant buy a new home because of Wells Fargo.
Product: Credit card or prepaid card

I received the response from Citi to my previous complaint XXXX regarding cash back reward of the Dividend credit card. They insisted the negative XXXX Dividend Dollar balance is correct. 


Again, this is absolutely wrong calculation even using their logic of how to apply the 5 % cash back onto eligible transactions from BestBuy purchases in 2021 XXXX quarter. 

Their response stated The {$1700.00} return from Best Buy, which was for the charge billed on XXXX XXXX, 2021, was received on XXXX XXXX, 2021. I agree that I should not receive cash back for the XX/XX/XXXX transaction, however, the transactions after XX/XX/2021 were still eligible for the 5 % cash back until the annual cap is reached. 


When the return was accomplished, it cancels the {$88.00} cash back earned from the XX/XX/XXXX transaction, which makes my accumulated cash back way below {$300.00} ( {$210.00} as of XX/XX/2021 ). 


Citi admitted they didnt grant 5 % on the Best Buy charge for {$1600.00} billed on XXXX XXXX, 2021. However, this transaction is eligible for the 5 % cash back since the cap was not reached. I did the calculation and included it in the attachment. 


Finally, the overall amount I spent at BestBuy was {$5900.00}, which qualified for {$290.00} cash back and didnt reach the annual cap. Since I redeemed {$300.00}, the cash reward balance should be - {$2.00} instead of - {$88.00}. I request Citi to review the calculation and correct the mistake. 



Additionally, I would like to emphasize the {$1700.00} refund from Best Buy was issued by Best Buy on XXXX XXXX, 2021. But Citi posted very late on XX/XX/XXXX, causing all these troubles. The processing speed of Citi is very disappointing.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report and noticed these fraudulent accounts that are not mine and that I did not sign up for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized I identity theft Hard Inquiries Dear XXXX, XXXX, Equifax I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft inquiries are as follows : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -Equifax XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX - TransUnion Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

I was on a Covid deferral program, before it ended I requested a modification the loan, i was really hoping that the amount due would just be pushed to the end of the initial loan .. this didnt happen. But the Loan was modified with a higher interest rate. This was approved, I was told that nothing would be negatively impacted on my credit report. This happened! I keep calling and no one answers why? 

I really want this removed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Unknown Accounts My Name Keeps Getting Mixed Up And I Cant Pull Out One Loan Or Never Had A Credit Card But I Have Been Working All My Life
Product: Checking or savings account

Some time back my account was fraudulently charged mutliple times, I never gave authorization for these charges. I contacted TCF multiple times by phone, even spoke with a manager. TCF completely refused to work with me, to discuss the fraud activities and even refused to investigate them. I should not have to pay for charges i did not authorize. I trusted TCF to look into this and resolve this, instead they were completely and utterly inept, incompetent and completely unwilling to help me. They refused to file disputes, they refused to look into the transactions i told them were fraudulent. Furthermore they are trying to charge me for transactions that they technically didn't even cover. While they did waive half the balance bringing the new amount to about {$68.00}. They did not resolve the issue and expect me to pay for something that i never initiated or approved. This is borderline fraud from TCF. They have not only done that but placed my account in collections harming my credit score. I want the full {$68.00} balance on the account removed and the account removed from collections. If TCF is not willing to comply I am willing to sue them for unethical business practices, fraudulent activities including fraudulent extortion attempts, and personal damages, and i will make sure that they pay a lot more than the false {$68.00} they are trying to extort from me.
Product: Credit reporting or other personal consumer reports

These accounts were on my consumer report fraudulently and were removed then came back unknowingly
Product: Debt collection

XXXX, XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account AWA COLLECT. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the collection posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
AWA COLLECT XXXX Date Opened XX/XX/2019 Balance : {$100.00}
Product: Money transfer, virtual currency, or money service

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

I purchased XXXX turbos from XXXX XXXX, XXXX and sent them back within the return period because they were the wrong parts for my truck. The company only returned half and said that I did not return the turbos. I have pictures and a legal document that shows the weight of the page sent through XXXX XXXXXXXX showing that did in fact send both turbos back. I have filed a dispute XXXX times with my JP Morgan Chase amazon Visa card and every time they say that I am liable for the charges. I also ordered XXXX more turbos on the same day that I filled out the form to return the first XXXX with XXXX XXXX XXXX. Both of these turbos were defective. I tried to contact XXXX XXXX, XXXX. But they do not have a customer service phone number and they do not return my emails. So I have {$2000.00} in dispute with my credit card company that says I am liable for these charges. I feel that this violates the credit card agreement and would like to find out if there is some sort of collusion between the credit card and the merchant, because this is by far the most fraudulent experience that I have ever had to deal with in my life.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XXXX there are XXXX HARD INQUIRIES for account that dont belong to me. 

Discover Home Equity XX/XX/XXXX XXXX XXXX and XXXX removed it after their investigation. 

XXXXXXXX XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've discovered numerous of inaccuracies and wrong reporting information. That pertain to all three credit bureaus. 

XXXX XXXX- There are different activity dates, closed dates are different from Equifax, paid off accounts reporting settle for less/Derogatory, account balances incorrect. 

I've called and wrote letters to every credit agency. As they report verified, the information is still reporting the same. All three bureaus are reporting different information, causing damage on one bureaus and 3 problems with the other two bureaus. There are reporting dates of activity on accounts. That's been closed for nearly 7 years. I've discovered late payments dates that are not reporting accurately. 

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.1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report. The inquiry was made and I have no recollection of authorizing this inquiry or having any association with this creditor.
Product: Checking or savings account

BBVA Compass has charged a total of 62 Non-Sufficient Funds each for {$32.00} on our XXXX XXXX Account between XX/XX/XXXX and XX/XX/XXXX. These fees are invalid and outside of the fee schedule received at account opening. Fees have been charged on transactions that did not overdraw the account as well as transactions that were refunded by merchant. BBVA Compass has since refunded only 10 of these fees. There are {$1600.00} in NSF fees outstanding that BBVA has not reversed. Out of these {$1600.00} in NSF fees, BBVA has  furthermore charged 14 NSF fees for transactions that did not leave the account with a negative balance as well as refunded ones. The invalid fees have been brought to the attention of XXXX XXXX, branch manager at BBVA Compass in XXXX, CA. XXXX XXXX contends that these fees are fair and just and in accordance with the BBVA Compass fee schedule. All communications, bank statements and the BBVA CompasXXXX fee schedule have been attached with this complaint. The Bank Manager 's contact information is provided below. 

XXXX XXXX Branch Retail Executive- XXXX XXXX CA NMLS # XXXX XXXX : XXXX Fax : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

Wisely was the card of choice with XXXX XXXX XXXX and this organization was the only way that I was able to get my paycheck when I first moved over to XXXX XXXX XXXX XXXX The XXXX XXXX XXXX. 

It is my belief that due to the proximity of this shelter to organizations such as XXXX that this became a common piece of mail with a unique senders address that they became very familar with recognizing. 

Issues that I ran into at this address as well as XXXX XXXX XXXX XXXX include : holding the mail, the use of social engineering to allign purchases of goods and/or services with people, places, or things with ties to the organization for some level of evaluation that was used in the placement of social services, housing, or benefit review without the consent of oversight to monitor for abuse, neglect, or misuse of these types of tools. 

Often did not have the consent of the consumers whose credit this impacted and often did not care as most of them they would disable and then use incidents like this to ruin credit or banking opportunties to " burn '' the consumer from any future of having access to these types of tools. They do not allow consumers to foward their own mail from the post office but instead require the consumers to goto the shelter in order to pick up their mail. They do not notify the senders that the receiptants have moved. In some cases they call the vendors, banks, or other organizations posing as the consumer themselves in order to reverse engineer their accounts, gain intelligence on the consumer, and do things to wreck their consumer credit score. It is well known that they employ former vetrans and those in lower level security jobs like XXXX XXXX XXXX to act as agents tio gain intelligence on these consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a mortgage with Chase in XX/XX/XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While XXXX and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately Chase and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at one point to they repeatedly needed more information and customer service liaisons switched on my account. In XX/XX/XXXX I XXXX and they gave me a 1 % interest rate for 36 months so I made partial payments. I was declared XXXX XXXX XXXX XXXX and in my transition my military check was behind and I have a XXXX child who was in XXXX. I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and Chase directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$210000.00} yet they are still reporting to the CB the old one of XXXX giving the impression on my credit report that I am over 22k dollars which is not true.
Product: Credit reporting

Hello, We have had several aggressive lenders coming after our family over our past debt. They call me or call my family members asking for me. When we answer the phone, they start yelling, saying that " They are n't playing any games '', or say that they have pending lawsuits in my name and try and get my personal information from my relatives. They have sent letters to my home trying to bait me into making payments by offering discounts and payment plans. All of my major debt is over eight years old. The statute of limitations in my state, California, is four years. My credit report still shows my old debts and I am unable to move forward. I do n't know where else to turn for help.