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

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$220.00} XXXX  XXXX {$1400.00} XXXX XXXX {$140.00} XXXX XXXX XXXX {$570.00}
Product: Credit reporting or other personal consumer reports

I received my received my credit report on XX/XX/2023, from XXXX, XXXX, and Equifax. Some information I do not recognize and inquires I didn't not authorize
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting or other personal consumer reports

The account is fraudulent. It was opened/used without my permission. I talked to the bank and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. This account is reporting to my credit and I do not recognize them. Beyond these facts I do not have any other information. 

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

I have attempted to have them verify this debt due to me not having any knowledge of these bills prior to collection. They have not satisfied the validation of the debt to show it is in fact mine because I did not give my permission to sell my debt to a third party if it isn't fact my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX/ Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX This is not my correct address. Remove it immediately from my credit report. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX USDOE/XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX* U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

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

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

Hello, I have applied for Citi XXXX XXXX XXXX Mastercard on XX/XX/2023 and I was given a reference number and contact number XXXX as they need some additional information to give me a decision. I called them on the same day and the rep asked few identity questions ( Name, Dob, SSN ) and then stated that he would be sending a code to my mobile number ; that I had to read back. I have received the code and read it back to him. After that he mentioned that application was denied and stated that I would get letter with explanation ( he couldn't provide reason in the call ) and I could call back for re-consideration once I get the letter. Today ( XX/XX/2023 ) I have received letter and it states the reason for denial is " Unable to verify my identity information ''. I was surprised with this and reached customer service today on XXXX. Rep stated that they have to verify using my mobile number by sending a text, I received the text while I was reading the code back ; she stated that the mobile number is being shown as error on their side and they couldn't verify me using my mobile number. I have been using this mobile number from 10 years, and they state that I can't use it and this is the only number I have. I have asked if they can verify me differently and they have stated there is no other option. I offered them to mail or fax any documents they need, but they didn't seem to accept it. I am not sure why they can't use my number that I have been using since 10 years and this number is being used with other financial institutions. There should be an alternative way to verify identity if they can't use the mobile number with their system limitations or issues .I humbly request Citi to resolve their system issue or provide an alternative way for customer to verify the identity. 
I have requested rep to raise complaint for these issues and she gave me this complaint # XXXX for reference.
Product: Debt collection

Debt Collection Company is Transworld Systems Inc. 
Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX They have called several times about a debt that isn't mine. 

The Debt is apparently for some apartment application fee for apartments in California for a XXXX XXXX  apartment complex. I have lived in Utah my whole life and have never even considered living in California. The debt is for a small amount like {$81.00}. The Creditor calling me had a strong accent like they were from a call floor in a different country. They started asking for personal information. I gave them my Bday to verify the account and then I told them I didn't feel comfortable giving them more information. I don't them several times the debt was not mine and they said they would mail out proof. They never sent me any proof and now have reported it to the credit bureau. XXXX   has removed them but the other credit reports still are taking their time to process the dispute. I search for reviews only and this company has a history of claiming fake debts to try to scam consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a dispute letter to Equifax asking them to remove UNAUTHORIZED INQUIRIES, MY DEROGATORY REMARKS, LATE PAYMENTS, AND CLOSED ACCOUNTS. MANY OF THESE ACCOUNTS FALL UNDER THE STATUTE OF LIMITATIONS OR ARE MISREPORTING ON MY CREDIT REPORT. 

PLEASE APPLY THESE LAWS TO MY ACCOUNTS : THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( XXXX ) FAIRCREDIT REPORTING ACT ( FCRA ) 15 U.S.C. 1681 ( FCRA ) This is my third attempt to fix this issue. Equifax has failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. It been a total of 60 days, I will attached to letter sent.
Product: Credit card or prepaid card

I purchased 2 items on XXXX I returned the items and can not get a refund I have the tracking # s and confirmation # s from XXXX Here is what XXXX sent me. I am dealing with XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX I will scan the tracking # and include this in the complaint. I spoke with XXXX agent # XXXX Refunds : ( From XXXX XXXX XXXX -- Refund ID : XXXX : crow : XXXX = {$11.00} XXXX -- Refund ID : XXXX : crow : XXXX = {$10.00} i hope this information helps. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, XXXX XXXX. 
XXXX
Product: Mortgage

For close to three years, I have paid my mortgage payment on time using the online bill pay system. In XX/XX/2019, I logged in to pay my bill as I always do and submitted my payment. However, in XX/XX/2019, when I logged in to submit my XXXX payment, I saw a notification alerting me that I was over 30 days past due on my XXXX payment. I immediately paid both, but the XXXX payment had slipped past the 30 day mark by a hair. 

Fifth Third bank has never provided me email notifications when a payment is late, when a payment is submitted or when a payment is received. Furthermore, I didnt receive any other communication alerting me that I was past due ( no phone call, no letter ). These are basic services a large bank such as Fifth Third should provide, and yet they don't. 

This late payment was reported to all three credit bureaus and has lowered by credit score significantly. I submitted a dispute directly to Fifth Third, pointing out that their online bill payment system didn't process my payment, nor did I receive any communication and asked them to remove the late payment from my credit reports. 

I received a form letter today, denying my request. At no point during the dispute period did I receive a phone call, an email or any communication acknowledging they received the dispute, or any communication on the status of it. Nor did they make any attempt to gather any additional information. I had to go into a branch and beg for a local manager to help. He tried but was also left in the dark.

The onus should be on the bank to show some form of evidence that their banking system ( and subsequent communications to me ) DID NOT fail. As an XXXX professional with over 15 years experience in e-commerce systems, I am keenly aware that websites do not perform at 100 % at all times. Packets drop, requests get backed up in message queues or get lost, and transactions fail. Show me proof that I never logged into my account in XXXX. Show me proof that you sent an email that bounced back, or a letter that was returned to sender. Instead, they have responded with a form letter stating my " account is being reported accurately. '' This is beyond poor customer service. This is a failure of the core communication and notification services they should be providing ( and claim to provide ) to their customers.
Product: Credit card

On XX/XX/XXXX, I went into XXXX XXXX. I purchased a mattress, a foundation and XXXX sets of sheets for {$7900.00}. I opened a finance account through them that is owned by Synchrony Bank. I was given my paperwork and told my payments would be 0 % interest at $ XXXX  monthly payments. It showed on the paperwork my balance was {$7900.00} for the entire purchase. About a week later I received my card in the mail and upon activating it, noticed that it already said my balance owed was {$720.00}. XXXX XXXX didn't explain that I would billed in separate amounts as I thought these were fraudulent. When I called Synchrony about it, they didn't thoroughly check to know it was the sheets they just said they would dispute the charges and had to open a new account for me. On XX/XX/XXXX, I received my delivery of my mattress and foundation. On the same day, I returned the XXXX sets of sheets to the XXXX XXXX store and exchanged them for pillows and a XXXX XXXX in which I received a {$68.00} credit I was told would go back to the credit account. In XXXX I logged into my Synchrony account and noticed that they had my balance over $ XXXX. I called Synchrony on XX/XX/XXXX to find what was happening. I was transferred to XXXX different people, the final woman I spoke with stated that she realized the problem. The problem was that the initial {$720.00} I disputed was correct and XXXX XXXXr failed to explain to me that things would be billed as received. So when Synchrony made a whole new account for me and was adding the charges to the account they accidently put a charge for {$7200.00} on the account XX/XX/XXXX and again on XX/XX/XXXX put another charge of {$7200.00}. She explained she was submitting this dispute for account correction and it could take up to 60 days. It has now been past 60 days, Synchrony has not corrected the account balance to show the correct amount that should be under {$7900.00} at this point as I made a {$280.00} payment recently and had the {$68.00} credit. My credit has also suffered due to their inability to correct the account balance.
Product: Checking or savings account

I had originally opened XXXX accounts on XX/XX/year> : XXXX Checking XXXX XXXX Savings XXXX at store number XXXX. 

there were XXXX more accounts opened on XX/XX/year> XXXX XXXXXXXX Checking XXXX Wells Fargo High Yield Savings XXXX at store number XXXX. 

there is no signature on the application from XX/XX/year>.
Product: Credit reporting or other personal consumer reports

last year i contacted experian, XXXX and XXXX about a fraudulent account on my credit report. They ignored me and refused to remove it.
Product: Checking or savings account

Wells Fargo is trying to cause problems with accurate transfer frim my savings to checking account. The reason b eing they would not give my  XXXX   year old a seperate acct possibly be a teen account to have her direct deposit checks. I am ok with that but if I transfer money her account to mines Wells Fargo will not pu t the money in my account or they will take money out. The purpose is to confuse our account so I will pay overdraft fees. In my checking alone dealing with debiting my account to pay bill they are using her account last  XXXX  and my account last  XXXX  to confuse the  XXXX . Also my daughter they place overdraft protectuon on my our account without my permission. Giving her a debit card . Wells far go caused my waterbill to not be paid in a timely fashiion. I am  XXXX  and on a fix income which they know for years. Every Adult know this is a serious problem they are being malicious I hope your office take this with respect and stop this matter ASAP. This is another scam to recamp their lost. Since  XXXX   XXXX , 2017-current they have change several of my date of transaction . Wells fargo will not let us see our full account including the cash amount so we will not see our tr anaction nor will they allow us to dispute transaction on line and will not let us see the full site to get our account summary.
Product: Payday loan, title loan, personal loan, or advance loan

A Live check was sent by mail to my old address. The current resident there is suspect cashed it fraudulently. Went to Tower Loan to figure out how that could happen, they only helped with an affidavit of forgery.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXX, GA XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, National Credit Systems , Inc. , regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ). 

Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. 

According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : XXXX out the balance of this account. 
Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX  out via email. 
Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. 
Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 

I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company. 

Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against National Credit Systems , Inc . 

Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA. 

Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation. 

Sincerely, XXXX XXXX Natural Person and Consumer
Product: Checking or savings account

I am writing on behalf of my mother ( written consent attached ). On XX/XX/2022, my parents got an email from Chase notifying them that there was less than {$50.00} in their checking and savings account. After logging onto their account, they noticed several unauthorized transfers from their checking and savings accounts totaling more than {$23000.00} that occurred on that same day. They called Chase immediately and told them that did not initiate any of those transfers, and requested the bank to put a stop to it. Chase was unable to do so, and stated that the person who made those withdrawals must have had my mother 's personal information because they listed my mother as their co-signer. At the bare minimum, Chase should have flagged those withdrawals and asked my mom for confirmation if it was truly her making those transactions, but Chase allowed those withdrawals to occur without any notification other than their account holding less than {$50.00}. 

They then informed my parents that they can not refund any money until they investigate and that they will mail out the fraud paperwork for my parents to fill out. In the interim, my parents notified the FTC about the fraudulent activity. XXXX week later, my parents ' still haven't received any paper work, but the claims department stated that they mailed it out on XX/XX/XXXX. My parents went to XXXX different local branches asking for assistance and XXXX rep was able to pull up the paper work and fill it out. My parents then filed a police report on that same day ( XX/XX/XXXX ). They then received a letter in the mail from Chase ( which wasn't the fraud paperwork ) stating that the transactions were indeed authorized by my mother since her personal information was used as cosigner, but they neglected to tell us how they came about this conclusion or how they investigated all of this to deem my mother responsible, How this individual obtained her personal information is beyond us, as my parents don't engage in any suspicious calls, emails or texts. 

Under the Electronics Fund Transfers Act, individuals are not held responsible for any unauthorized electronic transfer as long as they notify the bank within 60 days. My parents notified Chase on the same day the incident took place. Chase not only neglected to notify my parents of the fraudulent withdrawals, but they failed to act on it promptly, and refuse to take responsibility for their negligence. My parents have taken all the required actions on their end, notifying the bank promptly, notifying the FTC, filing a police report, and filling out the required fraud paper work that Chase never even managed to mail to them. It is clear that Chase Bank should be held accountable for the funds that were fraudulently stolen from my parents account.