23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I was looking for a bank that offered first time home buyers program and I saw an advertisement from EverBank that they offer such program. I called XXXX XXXX Mortgage Loan Officer XXXX # XXXX. I emailed all my husband 's pay, tax info and my daughter 's social security information. After submitting all our information, if was extremely difficult to contact her. I sent out email, and left several messages on her answer machine with weeks would go by and would n't here from her. I had to call main office and have them contact her. When I finally contact her, XXXX XXXX said she needed a letter from social security stating that my daughter will received benefits for the next three years. I went to security and told them what XXXX XXXX wanted, I was told by security that they will never write any such letter, that and XXXX XXXX needs to real their website rules and regulations on social security. We were unfairly denied a mortgage. We went to another lender and was approved for a loan using the same social security information. XXXX XXXX treated us unfailly during this whole process of this application.
Product: Debt collection

Debt collector called from Unknown/Restricted number. Left message stating that they needed to discuss scheduling delivery of legal documents, and that they were scheduled to deliver them on XXXX XXXX. They also mentioned that this was a courtesy call prior to doing so. The message also stated questions or concerns or scheduling issues need to be directed to the filing party ( no name of filing party mentioned ). The number that was left was XXXX. This company basically threatened legal action, without leaving any identifying information regarding who they are, or what the legal documents are about. There is n't even mention of a debt in the message.
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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

On XX/XX/XXXX, I authorized 2 documents to charge up to {$36000.00} to my XXXX XXXX account and up to {$14000.00} to my Costco Citi Visa account by XXXX XXXX for an event. XXXX made charges on XX/XX/XXXX and XX/XX/XXXX for the maximum amount on each card account. On XX/XX/XXXX, XXXX charged my Costco Citi Visa account an additional {$10000.00} without my further authorization. The charge exceeded my available Visa charge limit of {$35000.00} for a total of {$41000.00}. On XX/XX/XXXX, I called Citibank but they would not accept my complaint. On XX/XX/XXXX, I again called Citibank to file a complaint and to have the charge removed from my account. In XXXX, I received a letter postmarked XX/XX/XXXX from Citibank Security Services which says : " We've completed our investigation and your dispute ( s ) is now closed ... Since you provided your account number to the merchant ( s ), we don't consider this fraudulent acitivity ... The charge ( s ) totaling {$10000.00} will remain on your account ... ''. I DISAGREE. On XX/XX/XXXX, Citibank withdrew by autopay {$5500.00} from my bank account as minimum payment due although I pay only $ XXXX  monthly by autopay on the closing payment due date, making my Visa account balance {$33000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion decreased my credit score by 106 points on XX/XX/2020 without any specific reason, which, I believe, has no negative factors involved.
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 U.S.C 1681. 

Account # XXXX XXXXXXXX XXXX XXXX XXXX {$4100.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions. 

15 USC 1681 c. ( 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 USC 16818-s-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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 Had a wreck and total loss my vehicle. Was not educated on how payments work while under insurance processing. I have never been late on a payment for 2 years and received a late payment because of the total loss process and the company isn't willing to get it removed from my credit score after there has been on time payments.

XX/XX/18 Spoke with a representative that stated that i was not late on my payments and stated she would send in a dispute. She stated that it would take 30 days to update.

XXXX XXXX received my insurance payments and the amount is paid down from XXXX to XXXX. Late payment still hasn't removed from my credit report.
Product: Debt collection

This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the dates below : 30 days late as of XXXX 2019 XXXX XXXX XXXX XXXX  XXXX My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.
Product: Checking or savings account

I took a family trip to XXXX from XXXX XXXX on XX/XX/2022 and returned XX/XX/2022 ( XXXX XXXX XXXX ; have attached proof that I was in XXXX below. My second flight was cancelled due to weather so please refer to the other flight ). During my stay in XXXX I was notified via text from Wells Fargo of a transaction occurring in Florida and stating if this was me or not. It was obviously not me since I was in a different state so I called the number and had my card closed. To my surprise a total of 4 transactions had already gone through : XXXX ( XXXX XXXX ), XXXX ( XXXX store transaction ), XXXX ( XXXX XXXX ), and XXXX ( XXXX XXXX XXXX. All these transactions occurred on XX/XX/2022 for a total of {$310.00}. When I contacted Wells Fargo to submit a claim ( Claim # XXXX ) for my funds they concluded that they would not be refunding me because it was made by someone who used my PIN ( even though these can be found via a skimmer or other debit card reader ). Additionally, the card was in my possession with me in XXXX so not entirely sure how this could have happened. Any help will be appreciated and look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received several emails about loans that were opened in my name along with a credit card that was mailed to me.
Product: Mortgage

I applied for a refinancing mortgage XX/XX/2016 from XXXX 's Banks under the advice of a sales rep who I had worked with before from another institution. I provided all documents same or next day. The lender kept responding with higher rates and rising closing costs. In other words, it was a complete bait and switch operation. I spent over {$1000.00} in application fees and appraisals. They keep promising a resolution, but 4 months later, no refinancing. I have missed all the favorable rates and if I start over with another lender, my application will be tainted with numerous inquiries to credit authorities. 

I am requesting that they close the loan on the terms that were initially offered.
Product: Debt collection

XXXXirst Source is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. First Source has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates ; First Source has been reporting to all 3 credit bureau Since 2019. First Source clearly has had accesses to my account since XX/XX/2019 but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX, I received a card from a company called CashApp. I never signed up for this card and called their customer service to cancel the account. They told me that I can not cancel this card, as it can only be cancelled with their APP or with a link that they would email me. I was not comfortable with doing any such transaction with a bank that refused to let me talk to a fraud department or provide me with a physical address to mail my complaint. 

XXXX I mailed them a written request to cancel this and all cards/accounts opened under my name and address.
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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX OF XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Accounts Request for Investigation and Removal Dear Equifax, I am writing to formally dispute the reporting of late payments on the following accounts as listed on my credit report. These accounts contain inaccurate or unverifiable information and are impacting my credit score unfairly. 

Accounts in Dispute XXXX  XXXX ( Account # : XXXX ) XXXX  ( Account # : XXXX ) XXXX XXXX XXXX  ( Account # : XXXX ) XXXX ( Account # XXXX XXXX ) Under 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report accurate data and correct any inaccuracies. Furthermore, under 15 U.S. Code 1666 ( b ), creditors must apply payments accurately and resolve disputes regarding billing errors promptly. Finally, 12 CFR 1026.13 provides protections for billing error resolution under Regulation Z of the Truth in Lending Act. 

I am requesting a thorough investigation into the accuracy of these late payments. If the information can not be verified, I request that these records be corrected or deleted from my credit report. 

Supporting Documents I have included the following documents to assist with your investigation : A copy of my identification Proof of current address Under the Fair Credit Reporting Act ( FCRA ), please complete this investigation and respond in writing within 30 days of receiving this letter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Mariner Finance sent me a check for the amount of XXXX so I deposited it in my account. I accepted the loan and made payments, but I had no idea that interest was applied to the loan every day, I thought the interest was per year. I recently made a payment of XXXX $ out of which XXXX $ went to a late fee and XXXX $ was applied to interest. This should not be allowed to happen, this is predatory lending at its extreme and should be reported.
Product: Credit reporting or other personal consumer reports

Delete these accounts and inquires ; XXXX  XXXX XX/XX/year>2023 - {$250.00} XXXX XXXX - XXXX XX/XX/year>2023 - {$170.00} XXXX  XXXX XXXX/XXXX/2023
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 imposible and that tracking these transactions was unfeasible. The CFPB 's 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 serious concerns about consumer safety.
Product: Credit card

XXXX Chase charged me {$25.00} late fee. The due date is XXXX/XXXX/15. Bill was paid by telephone on XXXX/XXXX/15. I called their customer service yesterday and was advised that payment must be made a certain time of the day ( early in the day ) or there will be late fee, hence the {$25.00} charge.
Product: Credit card

I am a recent victim of identity theft. Someone applied for this chase bank XXXX XXXX credit card fraudulently that I did NOT apply for. I called them on XX/XX/XXXX stating that this account ending in XXXX was applied for fraudulently and that I did NOT do it. I was told I would be receiving correspondence via the postal service and have yet to receive anything from them. I was not told of anything else that would be needed to process this fraud claim. Me and my restoration agent tried to call on XX/XX/XXXX and spoke to XXXX. He could not provide any information and tried to transfer us to the recovery department. XXXX claimed that that department was open until XXXX est but that at that time, they were closed even though it was only XXXX est. Not only have I not received anything confirming that this inquiry would come off of my credit report but a bill was sent to my email stating that I owed XXXX on XX/XX/XXXX. Now my score went from XXXX to XXXX because of this balance still showing up on my credit report. I am able to provide the police report number, officer I spoke with and their phone number but am unable to get a hard copy report because the department is backed up and the physical building is undergoing construction.
Product: Credit reporting or other personal consumer reports

File number XXXX. Dispute was filed through credit karma for in accurate report from XXXX about inaccurate information from XXXX XXXX on XXXX XXXX. I have yet to receive any results or updates on case. I reached XX/XX/year> stating FRCA requires an update on a dispute within 30 days and was told there was an error on there end. Chat transcripts should show that. Seeing they are not holding up the laws mandate i would like all information they've obtain without my consent deleted .According to 15 USC 1681b. 

All XXXX XXXX information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX XXXX XXXX XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX. Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, However, they stated everything was complete and accurate. I have not talked to them by phone or in person about the debt, or electronic communication about the debt, nor have I received a validation notice. I do not recognize these accounts are reporting on my credit report. I do not recognize the account numbers. I do not recognize the account statuses. I do not recognize the account high balances, nor do I recognize the late payments associated with it. everything reported does not meet the FCRA But that is not possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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. 45b The Act generally makes provisions of form contracts between sellers and individual consumers void from inception if the provisions : ( 1 ) prohibit or restrict individuals from reviewing sellers goods...

15 U.S.C. 41-58, as amended The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, as amended, the Commission is empowered, among other things, to ( a ) prevent unfair methods of competition and...
Product: Student loan

I have been placed on forbearance until XXXX of XXXX, and I applied for the SAVE Repayment Plan when it came out on XX/XX/XXXX. I planned to pay the interest, but when I applied for the plan, it said I would pay around {$36.00} per month. So, I decided to pay the full amount until my borrower against defense for-profit application for forgiveness goes through one way or another. In the last 2 months, XXXX and XXXX of XXXX, I have paid {$110.00} in interest only payments, well over three times the amount I am supposed to pay for the full amount. THIS NEEDS TO BE FIXED NOW! The original amount of my loan should be less, not more, lower than my original amount of {$17000.00}. When I applied for the SAVE Plan, there should be NO increased interest payments with everything I had read about it. So long as you make payments.
Product: Debt collection

Since Thursday I've received 12 calls for a payment for which the account is in dispute. I specifically told Bank of America that I will pay the full debt due as long as they are reporting my payments accurately for which they have not. I've spoke with Bank of America regarding the insistent phone calls. This is harassment furthermore, the company reflected a late payment that should not have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via Navy Federal Credit UnionXXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. NFCU is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, NFCU failed to fully disclose the consumer transaction. 

This is an advisory of NFCU 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number 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.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was shocked to find an unauthorized inquiry that I did not recognize. I always monitor my credit, yet this discrepancy suddenly appeared without any explanation. I even attempted to refresh my browser, thinking it might be an error, but it persisted. This is unacceptable, and I demand that this issue be addressed right away. Please go through the documents I have sent carefully to ensure that I never have to face this problem again.