23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I send in my payment to the address ( XXXX XXXX  XXXX XXXX OH XXXX ) per the company and it is not applied until they are able to charge additional fees and charges. This company has charged more than {$500.00} in additional charges. You can not setup to have it done on line without agreeing to giving your information to third parties. Attached is last months payment that was mailed on XX/XX/2021. It is still not on the new statement of XX/XX/2021. For new charges. For any additional information please contact in writing.
Product: Debt collection

XXXX   XXXX   XXXX  , is attempting to collect a debt that is now owed by me. The debtor has the same name as me, however they have a Texas address. A debt validation letter was sent to Convergent, however they would only provide a statement with a name on it saying the debt was verified. I requested a debt validation.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have already made efforts to resolve these issues with them directly. They are violating my rights, and I am entitled to {$1000.00} for each violation mentioned. They need to either compensate me or delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information I've forwarded to Transunion, ( notarized letters ) has not been acknowledged. 

I've called on several occasions. I've been hung on while still talking. 

The website to report disputes online allows me to log on one day and not recognize my sign on information the next minute. 

Website just kicks me out the application then want allow me to sign back on. 

I'm extremely suspicious about Transunion reporting methods.
Product: Checking or savings account

On XX/XX/XXXX, my account received a XXXX deposit in the amount of {$490.00}. The bank Claimed due to the reported fraud the XXXX transaction was returned on XX/XX/XXXX. A couple of issues occurred during the process. 

1. The Bank provides misleading information during the consultation. Recorded in the voicemail, the bank 's agent explained to me the nature of XXXX transactions is like cash. It won't be returned back to the sender without account holder 's permission. Please provide explanation on the misleading information provided by the agent. 

2. The Bank has obligation to investigate the case if there are fraud involved. Also the case has been reported and supported by the police. The transaction is legal and if the bank claimed fraud, it should provide investigation results since it's contradictory with the police report. 

Please explain those points in details : misleading information and contradictory conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters XXXX times : XX/XX/2022 and on XX/XX/2022. As of today 's date I still have not received any kind of letter stating what is the status of my dispute. I have a XXXX account reporting inconsistent lates hurting my credit and I have XXXX reporting a collection that I do not owe. My credit report also does not reflect the accounts in dispute which is a violations of the FCRA. The creditor should list the account in dispute, please see my attached dispute letters.
Product: Credit reporting or other personal consumer reports

Ex employee " XXXX  XXXX XXXX '' fraudulently utilized my PII ( Personal Identifiable Information ) to inquire credit in my name.
Product: Credit card or prepaid card

I received a US Bank ReliaCard debit card in the mail today. I called US Bank and they told me it was an unemployment debit card. I did not apply for unemployment or the card. They tried to transfer me to relicard branch which keeps hanging up the call. When I call the number on the card it just wants me to activate a pin number. I called cfpb to file a complaint. Today is XXXX2021.
Product: Credit reporting or other personal consumer reports

Reached out with a letter to dispute, [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] [ Credit Bureau/ Creditor Name ] [ Address ] [ City, State , ZIP Code ] Subject : Dispute of Charged-Off Account and Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a " charged-off '' or " closed/canceled '' account on my credit report. Under relevant tax laws and consumer protection statutes, a charged-off debt is considered a **Certificate of Indebtedness** and is classified as income to the creditor per the Internal Revenue Code ( IRC ).

Internal Revenue Code ( IRC ) 26 U.S.C. 61 ( a ) ( 12 ) ** - Cancellation of debt is recognized as income to the creditor. Therefore, if the debt has been charged off or canceled, it has been resolved for tax purposes and should not be reported as an outstanding obligation against me. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e** - It is unlawful to report misleading or inaccurate information about a debt. If a debt has been charged off, there is no legitimate basis to continue reporting it as an owed obligation. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2** - Credit furnishers have a legal obligation to ensure maximum possible accuracy. Reporting a charged-off account as still collectible is misleading and constitutes an unfair practice.

Truth in Lending Act ( TILA ) 15 U.S.C. 1601** - Lenders and creditors must act in good faith and with full disclosure. If a debt has been charged off, no further collection activity should occur, including continued negative reporting.

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

609 Sectio n/ DELETIONS TO CREDIT REPORT My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation.     Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g  ] of the Fair Credit Reporting Act of  1970    provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions o f Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inacc urate reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :   XXXX   XXXX   XXXX   #  XXXX , #  XXXX    XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  #  XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   Please notify me  that the above items have been deleted pursuant to   611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts. If you do not remove this items in a timely matter I will file a law suit under section 617  under the color of the law.
If you have any questions or need additional information, please contact me at address noted below. There are a total of   XXXX    pages of items with all  XXXX  credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is also being sent to Texas Governor, ATTORNEYS, and XXXX  Because enough is enough. If I am wrong in some way ; SPEAK UP!!!!!! Attached is letter from XXXX XXXX XXXX XXXX ( XXXX ) reflecting my credit inquiry was pulled on XXXX. Also attached is the permission request used to pull my credit report on XXXX. ONE DAY AFTER!!!! I have been saying this for years but both companies are ran by children. 
XXXX XXXX XXXX XXXX pulled credit report without permission. Experian released information without proper permission. Experian and XXXX are unlawful! This was a fraudulent and forged document loan that I have been battling for XXXX plus years. XXXX will label this without reading and Experian will merely pass the buck and forward to XXXX who then labels as duplicate complaint. I am requesting Experian not be lazy and do a thorough investigation by just looking at attached documents for proof. Experian is responsible for my information and I am requesting they perform as an intelligent and professional company that protects their clients information. Yes their money making client can make mistakes. Experian had no right to release and XXXX had no right to request.
Product: Credit reporting or other personal consumer reports

I sent over my complaint to the cfpb and to XXXX and never heard back and all of the items is that I dispute is still there
Product: Debt collection

Western Shamrock has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

Called multiple times to Affirm to discuss validating debt. Tried to email to get my request in writing but they do not monitor their email address anymore. Their additional help is just a link to a Q & A.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : Upon reviewing my Equifax account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 15 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 28 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks
Product: Debt collection

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Enhanced Recovery Company , LLC violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Product: Debt collection

Portfolio Recovery Associates purchased a credit card account of mine that had been charged off. They filed a suit in XXXX court against me for the full amount of the charged off debt. They've presented a bill of sale showing they purchased several accounts, but they didn't show the actual amount paid for my account, which is likely about {$0.00} on the dollar, yet they want to collect over {$1700.00} from me. They have repeatedly called me after they filed suit.
Product: Debt collection

I have repeatedly contacted NCA asking them to remove inaccurate information negligently placed on my credit report. NCA has been recalcitrant. This is unlawful and NCA should be held accountable.
Product: Mortgage

In XXXX of XXXX, I tried to refinance my house and was declined on the basis that there was a defect in a prior Satisfaction of Mortgage prepared and recorded by the lender. ( See letter dated XXXX XXXX, XXXX from Title Company ) My wife and I made a mortgage to Mortgage Electronic Registration Systems , Inc. ( M.E.R.S )., as nominee for XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) This mortgage was assigned by M.E.R.S., as nominee for XXXX. to XXXX XXXX Bank, dated XXXX XXXX, XXXX and recorded in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Assignment loan # XXXX ) We made a second mortgage to M.E.R.S., as nominee for XXXX XXXX Bank, XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) These two mortgages were consolidated by a Consolidation, Extension and Modification Agreement by to XXXX Bank, NA, dated XXXX XXXX, XXXX, and recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Modification of loans XXXX & XXXX ) A Satisfaction of Mortgage was prepared, issued and recorded by XXXX XXXX Bank for the XXXX XXXX mortgage. The problem, as discovered by the XXXX XXXX is that the Satisfaction of Mortgage filed under City Register of the City Of XXXX under File No : XXXX lists XXXX XXXX Bank, XXXX instead of XXXX, as nominee for XXXX. for the mortgage recorded City Register of the City Of XXXX under File No : XXXX and the Satisfaction also DOES NOT recite the assignment information for the assignment recorded in City Register of the City Of XXXX under File No : XXXX XXXX. 

I understand that XXXX XXXX Bank was acquired by Capital One , N.A . However, since XXXX, I have called and written numerous times to Capital One explaining the problem and to request that a new Satisfaction Mortgage be prepared, correcting the error and filed of record. By letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX on behalf of Capital One requested a copy of the recorded mortgage and Capital One Assignment. I promptly provided the requested information by fax ( XXXX ). To date, I have received absolutely no response back from Capital One. I am able to neither refinance nor sell my property with the existing Satisfaction of Mortgage. ( Copy of correspondence attached )
Product: Checking or savings account

On XX/XX/XXXX I opened a new account with Citi bank after receiving a solicitation from them to do so. I funded the account with {$5000.00} from my own XXXX XXXX account, and my fiance funded with {$50000.00} from her own account. This was going to be a joint account for our wedding and upcoming down payment for a house. This was done via online transfer from XXXX XXXX. 
Because we funded the account from a different person 's outside account ( my fiance 's ), Citi flagged the transaction as fraud and closed the account. 
When I called Citi bank they told me it would take 30-60 days to close the account and return our funds. Once that happens they will return the money to our accounts. All efforts to expedite the process were fruitless. 
I called several more times during the 60 days and the account had not been closed. When I asked to talk to a supervisor they said one would call me back within 48 hours and no one ever did. 
On XX/XX/XXXX called and account was still not closed. Was told the account would be closed immediately and I would receive a check for my funds ( XXXX ) within 10 business days. 
Regarding the XXXX of fiance 's money, Citi told us to visit a branch to return the funds- closest branch is about XXXX hours away from us so I asked for other options. After a few hours on the phone, Citi said they would return fiance 's money to the original XXXX XXXX account within 5-10 business days. 
XX/XX/XXXX neither have received the money. Pursuing their original instructions to visit a branch, I called a Citi physical branch and they said that this absolutely can not be handled at the branch level and can only be handled by the fraud department. 
XX/XX/XXXX called Citi. The account was closed XX/XX/XXXX and the XXXX would be returned immediately. I would have a check within 5 business days. 
Regarding the XXXX - we need to file a claim with XXXX XXXX and they will recover the money in a bank-to-bank process. They would not provide any additional information ( contact information, what information XXXX XXXX needs to provide, etc ). Contacted XXXX XXXX and they are not able to file a claim/dispute in regards to an online transfer ( disputes are for point of sale transactions ). 
XX/XX/XXXX called Citi. Regarding the XXXX - the account was closed XX/XX/XXXX and they will send me a check within 30 days. 
Regarding the XXXX - They say we need to file a claim with XXXX XXXX. I informed them XXXX XXXX can not file a claim on this transaction. They assured me that XXXX XXXX just needs to file a claim. I asked again for any contact information so XXXX XXXX can contact them directly- they provided the general customer service number for Citi. 

At this point I don't believe they will follow through on anything, since I get a different answer every time I talk to them. This is almost all of our savings, and I am worried that we will never get it back - it has been 125 days since they decided to close the account. We are getting married this year and hoping to buy a house- we need this money back to do so. Please help! 

I ( or my finace ) can provide any additional information that you require
Product: Bank account or service

Bank of America solicits you for overdraft protection. Which costs me {$10.00} per month or so. Then, if Bank of America utilizes the overdraft protection from my savings to my checking account. They will charge me {$3.00} per transaction. So, they offer this service that we have to pay for and then they charge me to transfer the money. I have been charged for this service. How is this servicing the customers? This is ridiculous. We are losing money we do n't already have. This is a serious issue and I am not sure who all knows about this rip off.