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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> SS # XXXX XXXX Consumer Solutions XXXX XXXX XXXX, XXXX XXXX TX XXXX Consumer Statement : I am writing to dispute the accuracy of the below items as it does not pertain to any transaction made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports Fraudulent and Inaccurate Personal Information XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Va XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XXXX XXXX, Fl XXXX Fraudulent Accounts in Collections XXXX XXXX XXXX XXXX Account # XXXX Fraudulent Closed Accounts XXXXXXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) that the information may be a result of identity theft ; that an identity theft report has been filed ; that a block has been requested under this section ; and of the effective dates of the block.
Product: Mortgage

On Friday XX/XX/XXXXXXXX XXXX  Pulte Mortgage LLC sent us a final quote for our mortgage and cash to close. The terms changed. XXXX XXXX said that the terms did not change. However, they did, and their form confirms that they did change. 

This is a classic case of XXXX and XXXX which is a highly illegal practice that I am almost sure that they do with every customer. They waited until the last moment so we had no chance of going with another mortgage company and switched the terms at the very last moment so our cash to close increased. We will not closed unless this resolved. 

Per the image attached they outright admit that they changed the terms before closing.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} INQUIRIES : XXXX XXXXXXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, Capital One XXXXXXXXXXXX Capital One  XXXX, XXXX XXXX, Capital One XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Inquiry : XXXX has violated my rights Inquiry : XXXX XXXX  has violated my rights Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX bank Inquiry : XXXX business Services Inquiry : XXXX XXXX  XXXX. 
Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 USC 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, credit repair services, or other personal consumer reports

I have asked the credit bureaus respectfully, to fully investigate these accounts that do not belong to me. They have not been through with their alleged investigations and keep letting these accounts falsely report to my credit report.
Product: Student loan

I graduated XXXX College in XXXX Alabama in 2006, for XXXX Diploma and XXXX Degree. And I am paying student loans for XXXX/Navient and Direct Loan/XXXX.Why am I paying for my student loans and the school has closed down a few years ago?
Product: Credit reporting, credit repair services, or other personal consumer reports

Target card was closed by company and discharged in bankruptcy. The target company continues to place target on my credit report after being told by my atty through bankruptcy court it was resolved. They have continued posting it a an open active account although it was resolved in bankruptcy court back XXXX XXXX This matter has created Iireparable damage to my reputation and has created survive hardship. Im a XXXX XXXX veteran battling XXXX XXXX and would like to move forward for this obvious fraud on the part of Target by TD bank.
Product: Checking or savings account

on XX/XX/XXXX I had my back-pack as well as my cell phone and documents in my back pack stolen off the public transportation. I filed a police report as well as I told Current they investigated and denied my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can pre approve me and I was denied. I pulled my credit and I see some things on there that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own. These items need to be removed, XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX AND XXXX XXXX.
Product: Checking or savings account

A company Called XXXX XXXX did an unauthorized charge to my Debit card account with NAVY FEDERAL. I attempted to reach out to her in which she stated it was a mistake and she would refund. I then followed up with Navy Federal who stated they would investigate and be sure my funds where refunded back to my account. Upon investigation Navy Federal States that the charge was correct and my issue is that this in an unauthorized charge to my account and should be resolved. 

XX/XX/2022 XXXX XXXX ( XXXX  Georgia company ) amount XXXX Unauthorized
Product: Debt collection

I have just contacted the original creditor which is showing a balance close to {$290.00} XXXX IS SHOWING A BALANCE OF {$170.00} THIS IS INCOREECT PLEASE DELETE THIS AND GIVR MR THE CORRECT WHAT IS OWED ON THE ACCOUNT OR DELETE THIS DEBT FROM MY PROFILE
Product: Mortgage

Mr. Cooper Mortgage. 

Laon Number XXXX Mr. Cooper has been has been having issues with their portal and it will not allow customers such as myself access the portal to make a payment. I spoke with XXXX out of Texas and asked if she she could take a payment over the phone on XX/XX/2024 at XXXX XXXX Central Standard Time and she stated that the server is till down. 

I also tried downloading the mobile app and the service will not allow me to make a payment. This has happened before and has caused a negative reporting on my credit bureau which is goes against the HUD Justice 40 Initiative to provide access to fair housing payments and reporting. 

This issue is also preventing me from leveraging my credit as a person of XXXX home owner by preventing me from making a payment on my mortgage as a veteran.
Product: Student loan

I applied for PSLF on the traditional grounds in late summer XXXX. The new waiver program was announced in early XXXX. On XX/XX/2021, I received an email that stated my payment count would go up by at least 33 payments ( outside of the XXXX payments I made that qualified my for loan forgiveness under the prior rules ). On XX/XX/2021, I received a letter that stated my loan balance was forgiven. I did not get any refund for the extra payments, nor are the payments visible on my Fedloan account. I filed a case on the Studentaid.gov website regarding the lack of refund. I received a reply stating that I would not be receiving a refund.
Product: Checking or savings account

Back in XXXX, I opened a Cd with BANK OF THE WEST,, so I had to open a checking account wich I put in XXXX dollars, but never told me it had to be XXXX To make a long storie short they would minus XXXX and put it back in my chk account, so I the end of XXXX my CD matures so, I transferred my cd to XXXX XXXX, and again had to open a ck account wich they told me I had to leave XXXX in there so, of course I did So BANK OF THE WEST had put some of my interest money in the checking account, wich overXXXX, so I was never informed by mail nor email that I had to had moneys,,,, so couple of weeks ago got a letter from BANK OF THE WEST to see if I was still around, so I send it back with my signature and dated it,, so out of my curiosity went online to ck it out so out over XXXX there was only XXXX left in there, that should of notify me that I needed XXXX in the ck account,, otherwise I would of closed if, who wants to give there money away I, m a Siniore citizen,,, I dont want or give me money away so I should of beened contacted right away,,, But I they send me notifications when they took all my interest money
Product: Debt collection

Since 2019 I have made payments through a nonprofit debt repayment program at XXXX XXXX XXXX XXXX. When I entered the repayment program ; a proposal was sent to this company Klarna to resolve this debt. The agreement provided for a reduced interest rate 10 % and a modified monthly payment. 

With this agreement I show a current balance owed of approximately {$450.00}. Klarna claims I owe {$600.00}. 

I am unable to speak to any representative regarding this matter. No representative can or will answer questions or seems to have any knowledge of the agreement. 

I am attempting to resolve this debt according to the agreement of XX/XX/2019.
Product: Credit reporting or other personal consumer reports

For the last 6 months continually, they do no follow any ruled set by the fcra, these corporate offices need to be reported to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX 15 USC 1666b Timing of payments. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER I : CONSUMER CREDIT COST DISCLOSURE 15 USC 1681a Definitions ; rules of construction. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1681b Permissible purposes of consumer reports. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1692c Communication in connection with debt collection. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692j Furnishing certain deceptive forms. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692g Validation of debts. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 18 USC 1028A Aggravated identity theft. TITLE 18 : CRIMES AND CRIMINAL PROCEDURE / PART I : CRIMES/ CHAPTER 47 : FRAUD AND FALSE STATEMENTS 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : Consumer Reporting Agency can not furnish a a

ccount without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit card or prepaid card

XXXX charged my credit card {$2600.00} on XX/XX/18 for something I DID NOT purchase. When I contacted American Express to dispute the matter they said they would contact XXXX to dispute the charge. American Express is now saying they contacted the merchant who CAN NOT provide ANY proof that it's a legitimate charge and they are going to go ahead and re-post the charge on my account despite it NOT being legitimate.
Product: Student loan

Wells Fargo is engaging in unfair, unlawful, and abusive billing practices as defined under 12 U.S. Code 5536 and that are prohibited under 12 U.S. Code 5531. The practices are unlawful under TILA/Regulation Z 1026.2 ( a ) ( 4 ) that the statement generation date be consistent with a variance of plus/minus four ( 4 ) day from the date established by the first bill. Moreover, the interval between statement generation and statement due-date must be within twenty-one ( 21 ) days, or allegedly twenty ( 20 ) days according to the WF response on XXXX XX/XX/XXXX to CFPB comlaints XXXX, XXXX and XXXX. The statement generation date was more than XXXX days ( XXXX ) beyond the date established by the first bill on XX/XX/XXXX. Therefore, every statement generation date thereafter was more than four ( 4 ) days beyond the date established by the first bill : XX/XX/XXXX. These practices are unfair because WF is also violating its internal policy as expressed by XXXX XXXX on XXXX XX/XX/XXXX in response to CFPB comlaints XXXX, XXXX and XXXX. These practices are unfair and unlawful because they are outside what is permitted under 12 CFR 1026.2 ( a ) ( 4 ) in establishing equal cycles. The impact of WF unlawful practices are magnified because WF has then furnished the outcomes of their unlawful billing practices to the CRAs claiming payment was not received by the statement due date. Now, the CRAs expect that the data furnished to it by subscribers is complete, accurate, and verifiable, and that such data was the result of lawful practices under federal regulations and federal law. I have filed multiple billing error notifications under 15 U.S. Code 1693f. Since WF billing practices were in violation of 12 CFR 1026.2 ( a ) ( 4 ), and since I have filed multiple billing errors regarding the matter beginning XXXX of XXXX, with WF opting not to conduct investgations under 12 U.S. Code 5534 and as required under 12 CFR 1026.13, the history as reported to the CRAs is patently prohibited under 15 U.S. Code 1681s ( a ) ( 1 ). The fact is, with over one-hundred and fifty ( 150 ) complaints filed, WF knows, or should know, that their billing and reporting practices were prohibited and that they have a duty to remove the information from my credit files under 15 U.S. Code 1681s2 ( a ) ( 2 ). They have opted not to do such and instead have sought to deny any billing issues exist, despite receiving annotated versions of documentation they supplied to me clearly indicating the violations of law and regulation. In fact, their response to one particular instance was to deny they were subject to TILARegulation Z 12 CFR Part 1026 because the account was not subject to the Fair Credit Banking Act ( FCBA ). Their practices are unlawful, abusive, unfair and show a total disregard for federal law and the regulators that have oversight responsibility. Copies of the statements in violation of TILARegulation Z are attached and include a copy of CFPB interpretation of 12 CFR Part 1026.2.
Product: Debt collection

On XX/XX/21 - XXXX  Credit sent me an email of debt for {$1900.00} - I looked up the company and it was for Harvard Collection Company out of XXXX, Illinois. 
I called the number and they referred me to another number for the Illinois Department of Humana Services. I never received anything from them in a letter asking to dispute this debt. They never sent anything out letting me know any information on the debt or what it was for. the Collection Agency just slapped it on my credit, in the middle of a pandemic.
Product: Debt or credit management

I believe Ive had a data breach on Experian, causing XXXXXXXX XXXX XXXX to charge something for {$980.00} which was put into my collections. I would like this to be disputed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted Venmo customer service to figure out why I was unable to add proper banking information that would allow me to withdraw my funds. I was informed to submit in proof of bank account ownership, and a photo ID. I complied and submitted both of those information within the same hour of instructions. 

However, on XX/XX/XXXX, I was notified that my account was suspended and required ID verification, which was a tad strange as on XX/XX/XXXX, I had already submitted this information as proof of who I am. After submitting my ID, I was quickly notified I was no longer allowed to use Venmo services, citing a warning they gave me a year ago on a previous account that I made when I was a minor. I've now been told by Venmo that I'm unable to withdraw my funds for up to 180 days. I used Venmo to collect money from friends whenever we got food together, so now I'm responsible for paying the entire credit card bill out of my savings versus withdrawing the funds already given to me to cover the difference.
Product: Credit card

I been trying to contact the bank to correct my mailing address on system but has not been possible. The account is closed but is still being reported to the credit bureaus.
Product: Checking or savings account

Few months ago I opened up a BMO checking account for the {$200.00} sign up promotion for " Receive two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening ''. I completed the requirements but the {$200.00} sign up bonus never posted to my account. I checked my account today and account has been closed. This seem like a switch and bait where they advertise you to sign up and refuse to pay and simply close your account.
Product: Money transfer, virtual currency, or money service

Money was sent to the incorrect recipient through XXXX and money was unable to be returned.
Product: Credit card

On XX/XX/year>, I took a 10-minute taxi ride in XXXX XXXX with a quoted fare of XXXX XXXX  ( ~ {$4.00} USD ). The driver refused cash payment, insisting on credit/debit card only, and processed the charge through XXXX  ( a mobile payment system ). Claiming the payment wasnt going through, he had me try two different credit cards. 

During the transaction, I received a Capital One fraud alert and, under pressure, mistakenly confirmed the charge before seeing the amount he attempted to charge. The next attempted fraudulent charge was for {$260.00} USD instead of {$4.00} USD ( XXXX XXXX  was the amount I was told I was being charged ). Before I received notification that this charge went through, I paid XXXX XXXX  in cash ( the amount of the ride ), at which point the driver sped off, confirming it was a scam. I immediately locked my card and reported the fraud. 

Capital One denied my dispute without properly investigating. Their denial letter falsely claims that I benefited from the charge but provides no evidence. When I followed up, Capital Ones representative repeatedly questioned whether I was confused and asked if I had contacted the " merchant '' whose listed name is a hotel I never visited. The XXXX  system does not provide receipts, making direct resolution impossible.

This was clear fraud, I reported it immediately, and I received nothing in return for the charge. I request that Capital One reopen my dispute, conduct a proper investigation, and refund the unauthorized charge.
Product: Payday loan, title loan, personal loan, or advance loan

I am not liable tor this debt with XXXXCREDITFRESH. I do not have a contract with XXXXCREDITFRESH. They did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notification from XXXX and Transunion that a new account " with XXXX XXXX was opened in your name. The Credit Card account was opened on XX/XX/2023. '' Contacted XXXX XXXX and confirmed no such new account opened. Companies websites designed to hide dispute credit report pages behind subscription pages. Direct links accessed at cfpb.gov. Hours spent in attempt to dispute credit report item failed. Company not taking responsibility for erroneous credit report changes.
Product: Checking or savings account

My account was closed and I have not received the funds with the account balance.
Product: Checking or savings account

On XX/XX/year> a check for {$5000.00} was sent via XXXX XXXX  online platform to be delivered to the recipient via XXXX Mail. 

The check was sent in a non-secure envelope that made the contents and amount clearly visible. 

The check was stolen at some point after being auto-scanned at the post office and before the recipient could retrieve it from their mailbox. 

On XX/XX/year> a forged check was cashed at a XXXX XXXX XXXX XXXX in a neighboring state that reused the account and routing numbers from the original check but addressed to a new individual. 

On XX/XX/XXXX an email was sent to XXXX asking for help regarding the stolen money. An affidavit was requested from myself and the recipient which was promptly supplied. A police report was also filed regarding the incident. 

From XXXX to XXXX multiple emails were exchanged asking for resolution and timelines. XXXX bank said the issue was out of their hands and it was up to XXXX to resolve. They were unwilling to provide me with any case numbers or further contact info so that I could pursue a resolution to my stolen funds. 

As of XX/XX/XXXX, 6 months after the incident, I have still not received any word on when my stolen funds will be reimbursed.