23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Equitable acceptance called me just about two years ago and informed me that the only way for me to lower my payment option on my loan was to go through a company that services loans. After several misleading questions they managed to make me believe that I was unable to lower my monthly payments without their services. I agreed since they informed me that it would be a third of what I was currently paying. Come to find out I didn't need their services to lower my payment and they scammed me into paying them more than what I'm paying towards my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records, If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602A states I have the right to privacy 15 A.S.C. 1681 section 604A section 2 It also states A consumer reporting agency Can not furnish a Account without my writing instructions. 



In according with the fair credit reporting act XXXX  accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under trans union has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under Experian has violated my rights Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 6 late payments during Covid )
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding an unfortunate incident involving my Citibank account. On XX/XX/2023, I accepted what seemed to be a legitimate job offer from a company called Pharmscript Saga. I received a check for {$23000.00}, which I promptly deposited into my Citibank checking account. 

To my dismay, subsequent events unfolded in a manner that has left me in financial distress. Despite being assured by Citibank that the funds were secure, I discovered on XX/XX/2023, that a negative balance of - {$15000.00} had appeared in my checking account, as the initially cleared funds of {$18000.00} were unexpectedly denied. 

Multiple calls to Citibank seeking clarification did not yield a satisfactory resolution. The timeline attached outlines the events, including a wire transfer of {$16000.00} to an account associated with the scam. Additionally, a letter dated XX/XX/2023, from Citibank indicates that the check of {$23000.00} deposited on XX/XX/2023, is likely to be returned unpaid. 

This entire ordeal has caused me considerable distress and financial hardship. While I understand the complexities of fraud prevention, my experience with Citibank has been disheartening. I kindly request a thorough investigation into this matter and appropriate action to prevent similar incidents in the future. 

I appreciate your prompt attention to this issue and look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new car XX/XX/2022, and opened an auto loan with XXXX XXXX XXXX  On my report with Equifax, I see hard credit checks from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX According to the FCRA only the company that I have my car note with should have a hard credit check on my credit report. 
I have filed a CFPB report and sent Equifax two letters on this issue. I have tracking on the letters showing that they were in fact delivered to Equifax. 
Despite that, Equifax has failed to protect me as a consumer, and continues to misreport. 

Due to this error by Equifax I was denied a XXXXXXXX XXXXXXXX XXXX XXXX, and continue to remain at risk to credit card fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : 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 ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Payday loan, title loan, or personal loan

I received a loan through Goodleap for solar panels. The conditions of the loan were to pay a certain amount back with federal tax credits within an 18 month time period. They failed to explain that these tax credits can take years to get therefore making it difficult to pay down the targeted percentage in 18 months. Furthermore the solar panels do not work as promised so now not only am I paying my usual electric bill but Im also paying a large loan each month. Ive tried multiple times to speak with them about both problems with no result.
Product: Credit reporting

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX CA, XXXX To Whom it May Concern, I, XXXX XXXX, had an account with XXXX XXXX XXXX XXXX XXXX. Due to COVID-19, I became unemployed and started applying for multiple jobs. Unfortunately, someone opened multiple credit accounts under my name without my knowledge. Although I was offered a deferred payment option, I could not take advantage of it due to my unemployment status at the time. However, XXXX XXXX XXXX XXXX XXXX processed the deferred payment without my consent, which caused a delay in bringing my account to a current payment status.
Product: Mortgage

Wells Fargo has had the servicing of my mortgage since XXXX, they transferred it on XXXX. Wells Fargo tried to foreclose several times and the courts have stopped them each time. Since XXXX I applied for reduction of mortgage by removing the PMI at the rate of {$100.00}. per month and ea time was denied. The home has reached 50 % of loan to mortgage value and they still refused to remove the PMI. I went into a modification agreement XXXX and each time when it was time to complete the modification they started to return my payments and demand full payment of the note. They added each month a inspection fee ( see XXXX v XXXX ) of which I am a party and refused to remove the excess fees. They refused to accept mortgage payments, returned the mortgage payments and added late fees each month. When the ruling came for the CFPB XXXX Wells Fargo, I called the CFPB and was told to contact WF. I did and was told by rep that I was not a party to the claim. I have received 3 letters with checks attached for nominal amounts stating that they err in the modification process and the PMI reduction. However, they have refused to acknowledge that they err in the mortgage amounts, payments received, and excessive fees charged to the account. They have not provided a full accounting of the mortgage since it's inception to the date of transfer.
Product: Checking or savings account

On XX/XX/2024, I ordered two ( 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to the ad, the merchandise was supposed to arrive on Saturday, XX/XX/2024. 

On Saturday, XX/XX/2024, I texted and called XXXXXXXX XXXX XXXX XXXXXXXX to check the status of my delivery. During the texting conversation, I was offered to accept a substitute for the product. I refused the company 's attempt to engage in bait and switch. 

Some minutes later, I called the company to check on the status of my delivery. The person with whom I spoke said that the delivery was delayed and that she would escalate my request. While I was placed on hold, I returned to the XXXXXXXX XXXX XXXX XXXXXXXX web page to track the merchandise by the order number. The order number was tracked to XXXX Tracking No. XXXX. 

On further inspection based on my telephone call to XXXX, I discovered that XXXX  created the label, but had not received the merchandise from XXXX XXXX XXXX XXXXXXXX. During the telephone call, I was directed to contact the company to find out what happened to the merchandise. At that point, I asked XXXXXXXX XXXX XXXX XXXXXXXX to refund my money and send me an e-mail confirming its plan to refund my money. XXXXXXXX XXXX XXXX XXXXXXXX sent me an e-mail stating that it would return my money. I subsequently e-mailed Citibank 's dispute information regarding the incident, including the merchant 's e-mail. 

It is now XX/XX/2024. I am still waiting for my money. Citibank has not returned it. 

I believe that both banks -- the merchant 's bank and Citibank have built delays into their systems that more than likely violate XXXX 's rules for ACH transactions so that each bank can earn interest on the unreturned money, even if it hurts their customers.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Checking or savings account

On XX/XX/XXXX, I went to purchase flights ; I received a text from Citi asking me if I would confirm the purchase. I responded to the text saying " yes '' and was advised to complete the purchase. On XX/XX/XXXX, I went to make a purchase, and my debit card was declined. When I went to log into my bank account, it said I was locked out, and that I needed to call ( XXXX ). When I called this number, they sent me a verification code to my phone and successfully verified my identity ; however, they then transferred me to the fraud department, who said that my phone number ( the only phone number I have ever had, and the only XXXX ever linked to my account ) was ineligible for verification. They said that a letter had been sent out XX/XX/XXXX, and that I needed to wait XXXX days for it to arrive. I went to my local Citi branch ( XXXX in XXXX ) and spoke to an advisor named XXXX ; she confirmed this with the fraud department as well. On XX/XX/XXXX, I called the Citi fraud line to see where my letter was at. They said that I had to wait XXXX business days for the letter ( not XXXX ) and I needed to wait. On XX/XX/XXXX, I call the Citi fraud line again and I speak to a woman named XXXX ; she says that by mistake, no letter was ever sent out, and that she will send XXXX out today ( XXXX ) and to expect it in XXXX days. I was very confused, so returned to the Citi XXXX branch on XXXX, where I spoke to XXXX again. She called the fraud line herself, and they said that there was no mistake, a letter was sent out XX/XX/XXXX, and that I should expect it XXXX at the latest. On XXXX I call Citi ; they say that no letter was sent on the XXXX, but one was sent on XXXX, and I needed to wait. I hang up, call back immediately, and ask to speak to a supervisor. The supervisor says that the original letter was lost, and they created a new letter today ( XXXX ) ; they had no knowledge of the XXXX letter. On XX/XX/XXXX, I returned to the XXXX branch, and the advisors called the XXXX department, who said that a letter had been created on XX/XX/XXXX to be sent out, and that I needed to wait. On XX/XX/XXXX, I called the Citi fraud line, who said that the letter should have been delivered that day, and that there was no knowledge of a XX/XX/XXXX letter. I know that my address is not a problem, because on XX/XX/XXXX, I received my Citi XXXX at my current address. Additionally, I have also received a letter from Citi confirming that I received my {$300.00} cash bonus for opening my account ( the same account that was frozen ). This is immensely frustrating, as I have provided all necessary information to confirm that I am the account holder, but Citi has not sent this letter. Additionally, my credit card is linked to this account ( my only bank account ), and this is hurting my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX '! XXXX XXXX {$980.00} XX/XX/XXXX 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Midland Credit Management , Inc. constantly keeps sending me letters, and contacting me about an account that is not mines. The account was opened fraudulently and does not belong to me. The company keeps harassing me about debt that I have no knowledge of.
Product: Credit reporting

I met a man on an online dating service who broke into my XXXX account deposit the checks in the amount of {$7000.00} requested me to send the money back to them in XXXX and then cancel the checks leaving my account - {$7000.00} I agreed with this stuff cue to pay them them back but they kept taking my whole check each time leaving women no money as a single mother I had no monthly income so I had to stop paying somebody please help me I 've also know that somebody has broken into and has my Social Security account there 's a name that frequently comes up XXXX XXXX I get lots of his emails
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX a registered real estate agent came to my home to discuss the Move First program. On XX/XX/XXXX, I was informed in order to determine approval for the equity advancement I needed to fill out the pre-approval form with Orchard Mortgage LLC to which I explained to XXXX that I already had a pre-approval with my local credit union for up to {$770000.00} and did not need any other pulls to my credit. I was told in order for the guaranteed offer to be presented they needed to know how much of an advance I could be approved up to. At no time did anyone explain that this what loan type this was. I checked the website as well and combed through the FAQ 's about the equity program. I requested that the company remove the inquiries do to lack of transparency in-terms of what was being applied for. I am aware I can not apply for a conventional loan until four years has passed. I was given incorrect information from XXXX XXXX stated that I would need to wait five years before being able to apply for a conventional loan which is incorrect it is four years from the date of discharge for a XXXX XXXX bankruptcy. I was informed by XXXX XXXX that I did not meet the minimum credit score requirements which is incorrect my credit score is well above XXXX which is what is needed to apply for a FHA loan. The business transaction lacked transparency and Orchard Mortgage is doing nothing to report the harm they bestowed on me by an unnecessary credit pull. They did not explicitly explain this equity loan was a conventional had I know I would not have elected to proceed forward. This needs to be included in the FAQ that the equity advance is a conventional interest free loan not a standard personal loan. I spoke with XXXX XXXX this afternoon on XX/XX/XXXX and informed him that XXXX had provided incorrect information and he stated he needed to send me an email and the forward the response to his compliance team to determine the best course of action. I stated this was not necessary that all he needed to do was email his compliance team to request a letter be drafted to the respective credit agencies to remove the inquiries as they were not needed that had they informed me that a conventional loan was needed for the equity advance I would not have proceeded. XXXX was not helpful, nor was XXXX or XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXX, Clarity Services ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 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: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX of XXXX I received a bill from progressive Stating That my remaining policy balance was {$530.00} My Monthly payment of {$58.00} My renewal was in XX/XX/XXXX my Monthly balance due is {$58.00} Policy Number # XXXX. 

I called XXXX XXXX because they hit my checking account on XX/XX/XXXX, for {$460.00} for XX/XX/XXXX, {$460.00}, and XX/XX/XXXX for XXXX. I called XXXX and asked them why they hit my account and I was not going to renew the policy because the new policy hike in price was not affordable. My last premium payment total was {$530.00} and since they took too much in XXXX I only had to pay the balance of {$420.00} that would have carried me to the end of the policy since my policy remaining balance was {$530.00} so I paid it and switched to XXXX XXXX. I called XXXX  in XXXX and told them I switch policy and why were they still billing me they said to send in my new policy for XXXX XXXX so I did. then they sold it to a third-party CAINE & WEINER XXXX XXXX XXXX XXXX, CA XXXX Sent out a letter asking them to verify my debt they did not. So I called XXXX  they claimed I owed nothing to them Now today XX/XX/XXXX I called and now they are telling me that my bill was {$2000.00} which was my XXXX renewal bill, not my current bill from XX/XX/XXXX till XX/XX/XXXX The lady told me that she does not see the bill I sent into her to prove I closed the account by paying the remaining premium off she said they billed me in XX/XX/XXXX and XX/XX/XXXX even though I had a new policy with XXXX XXXX She also said they only received one snapshot back I returned all of them at the same time they provided boxes but no tracking number for the devices I mailed them back it is not my fault they got lost in the mail. I also brought her to her attention that if my policy was over {$2000.00} In XXXX then why was my monthly premium only {$58.00} I asked her to explain that because I am confused. I also explained that it also odd that after talking to several agents each of them telling me I owe nothing now when I started calling XXXX to get this removed from my credit report there is now a whole back story extra billing and all kinds of changes to my policy.