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

I sent out a request to Equifax on XX/XX/XXXX to validate that everything is accurate and verified on my credit report. They sent me back stating that everything is correct and verified. There are still inaccuracies on my report.

According to the fair credit reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX. XXXX { a } ( XXXX 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. 

I filed a complaint with the CFPB on XX/XX/XXXX and attached documents that also proved these accounts were in fact inaccurate. I requested these accounts to be deleted from my credit report. This did not happen. 

I then sent a request for Reinvestigation XX/XX/XXXX to verify that these accounts were verified as accurate. They all came back updated and verified but are still showing major inaccuracies. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these 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: Mortgage

Purchase a home in XX/XX/XXXX threw FHA guarantee from Cardinal Finantial. We closed the loan with the first payment due 2 months app. later. This caused a deficiency in escrow as they did not account for the escrow not being paid those two months. Our payment was per contract {$1400.00}. The deficient amount $ XXXX. 
Upon discovering the deficiency Cardinal increased the payment to app. XXXX to {$1500.00}. Which was what was needed to bring the escrow current and we agreed with them gladly. 
Then in XX/XX/XXXX our county taxes increased 300 % from {$960.00} to {$2700.00}. 
They immediately raised our payment for XX/XX/XXXX to XXXX. I contacted them and informed them the county had approved a tax exemption ( deferment ) as I was XXXX  and qualified. They refused to contact XXXX county and confirm as Covid had delayed processing of paperwork on exemptions for months. 
We eventually received the paperwork and submitted it by fax to Cardinal on XX/XX/XXXX. And at that time asked for an adjustment and under the RESPA law that we be refunded the overage. During the XXXX, XXXX, XXXX, time we paid over the required amount. We paid {$1800.00} for XXXX payment XX/XX/XXXX, {$1800.00} for XXXX on XX/XX/XXXX, and {$1800.00} for XXXX on XX/XX/XXXX payments. 
We at all times asked the money paid over each month go to escrow no principal and instructed this monthly. This only made good sense as escrow was deficient at the time. The applied all money over the payment amount to principal balance. 
In early XXXX we contacted Cardinal requesting payment of the overage be returned and they claimed a check was sent which it has not. We also asked that the escrow be recalculated as the single spring tax payment was 2 times what was required and the were refunded by the county 50 % of the tax paid for the 1st half taxes. The sent out a generic letter with a box checked we have completed reviewing your escrow. No more no less not one fact or figure on it. 
To add further they have demanded we pay XXXX payment in the amount of XXXX full well knowing the money is not earned or needed in escrow. 
Originally our payment was {$1400.00} with taxes @ {$960.00} per year. Now with the tax deferal they are {$720.00}. They is {$230.00} less per year, insurance premium unchanged and PMI of course the same. My payment should by contract & law be slightly less than in XXXX when the loan was originated. 
The {$1700.00} XXXX is no less than extortion. 
The misapplying of over payment funds a violation of contract. 
The refusal to refund violation of contract and RESPA. 
During this Covid time they after waiting on the phone lengthy wait times hang up, I beleive by phone number in their computer system. 
These people are the reason you dont want a home or mortgage they are crooked to the core and get away with theft & fraud never acting under the contract FHA should ban them from doing their loans.
Product: Checking or savings account

This XXXX bank is being run by XXXX XXXX XXXX 

They reversed an ACH transaction initiated from an external bank without any rhyme or reason and that days after it was completed. I know the person that will respond to this complaint will flat out lie about this, so I am letting you know that I have a 2.5 hour recorded call where a supervisor XXXX and XXXX who both admitted that this transaction should not have been reversed. In fact, I had another transfer of XXXX from the same bank and done on the same day that these XXXX  didnt even bother to touch. 

This is just the beginning of the XXXX and lies told by these XXXX. That supervisor filed 2 complaints for me and told me that some one would reach out to me within 5 to 10 business days. Both those complaints went into a black hole and non one contacted me. 
XXXX Complaint against XXXX XXXX XXXX who wont even tell me the reason for the reversal, just kept asking me to try again like an XXXX  - XXXX XXXX Case for Reimburse XXXX After patiently waiting for weeks, I called again and was told that both these cases were closed and they dont know why and by whom. 
I asked XXXX to open another case - XXXX Then I get a XXXX  voice mail from someone called XXXX on XXXX asking me to call their customer service. And then this cycle of XXXX starts again. Their supervisor XXXX now comes up with another lie out of thin air that the account that was transferred from was not " verified ''. That is a flat out lie as I had multiple transactions with the same bank and same account in the past. And in the previous call on XXXX both XXXX and XXXX had confirmed that this account was already full verified and this ACH should not have been reversed. But like usual with XXXX, they will keep repeating the same lies till the customer gives up in frustration. Like this wasnt bad enough, this supervisor XXXX then just proceeds to disconnect the call. 

To the person who is responding to this complaint, I have fully read the account agreement, it doesnt allow you to reverse XXXX transactions for your own incompetence. And before you even try to say that this was for my security, I will advise you that I have a recorded call where 2 of your agents confirmed that this account was already fully verified and admitted that this transaction should not have been reversed. On top of that, I had proactively called your bank 2 days before the transfer to inform you that I have initiated these 2 transfers from my external bank. And if that isnt enough for you, XXXX allowed a XXXX transaction from the same bank, account date and time. So you dont have a leg to stand on. If you lie about anything related to this complaint, I will drag you into arbitration.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debts To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am writing to formally request that you immediately cease and desist all communication with me, including phone calls, letters, emails, or any other form of contact regarding the following accounts : Midland Credit Management XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Midland Credit Management XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I dispute the validity of these alleged debts, and I request no further contact from your organization or any representative associated with it. 

Please be advised that this request does not authorize you to report false information to any credit reporting agency. Additionally, this communication serves as a formal notice that any continued attempts to contact me regarding these accounts may constitute a violation of federal law, subjecting you to potential legal consequences. 

Send all future correspondence, if any, regarding these matters to me in writing at the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Checking or savings account

Someone hacked my account and stole my money from me no XXXX act as if they knew what was going on trying to blame it on me couldn't tell me anything about the situation and then stopped my account from going now I don't have an account anymore due to the negligence of the company not caring what happened and not helping me get my money back and better security
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX XXXX XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurately reported in terms of reporting, amounts, and dates.
Product: Checking or savings account

XX/XX/ Discovered Wells Fargo had created a FAKE account in my name. 
A returned uncashed check from the County of XXXXXXXX Property Tax unit contained the FAKE account number. 

XX/XX/ A copy of the check and the letter from the Property Tax Unit was provided to XXXX XXXX at the XXXX XXXX XXXX XXXX Wells Fargo. 

XXXX said he would forward the information to the bank fraud unit. 
He said he could not provide any information on the account. 
XXXX said he could not freeze, lockdown or cancel the account. 
XXXX said I should file a police report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in XXXX disputes to remove this inaccurate information off my credit report. Every time I send a dispute to Equifax I receive no response and they refuse to investigate. This account with XXXX XXXX XXXX Account Number : XXXX is not an accurate account. I have had the same XXXX account for years and have never changed accounts. The previous collection company this account was sold to was removed off my credit report for being inaccurate and then this account was sold to XXXX Account XXXX. This issue has caused me a great deal of XXXX  and XXXX  because its stopping me from purchasing my first home and get what I need in order to provide for my family.
Product: Credit reporting or other personal consumer reports

TRANSUNION is in violation of my consumer rights. 

List of Violations : Pursuant to the privacy act of XX/XX/1974 it states no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request. 15 USC 522A 15 USC 1681b permissible purposes of consumer reports Pursuant to 16 CFR 313.7 privacy of consumer financial information 15 USC 6801 protection of non public personal information I would also like to opt out under 15 USC 6802-6805 obligation with respect to disclosures of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these accounts from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX  XXXX Balance Owed : {$950.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX is misreporting the credit history for three accounts : XXXX. The account reported on time payment on XX/XX/XXXX and the next month it is 90 days late. In XX/XX/XXXX it is reporting on time and the next month it is 90 days, then 120 and lastly 150 days. 

In accordance with the fair credit reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.
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. 

XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
Dept Of EducationXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
USDOE/ XXXX XXXX has violated my rights US DEP ED XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Capitol One denied me credit after requesting and obtaining my personal information including my Drivers license, Social, and a copy of my pass port. This violates 12 USC 1431. This is discrimination. The amount of credit requested was {$5000.00}, I have exercised in due course what I was obligated to do, and still denied access to an open end credit line for my XXXX.
Product: Debt collection

I moved out of XXXX XXXX XXXX XXXX in XX/XX/2022 and submitted my notice in writing to move out by the end of XXXX. In that written notice I requested a copy of the move out charges be mailed to my new address which I also included in the letter. I never received anything. On XX/XX/XXXX, I get a message at my job to call back a man named XXXX. I call back and its a debt collector with IQ Data demanding I pay the balance in full immediately. I explained to XXXX I had every intention of paying for what I owe but I had not received a breakdown of what I was being charged for. I explained that I was told I wouldnt be charged for certain things and I needed to know that I wasnt paying for something I dont owe. I also need to know how my security deposit was applied. XXXX claimed he was going to email me this exact information then tried to pressure me into paying before I could see this email. I asked why I wasnt able to dispute the debt and he responded by saying I could only dispute it if I paid for it. I know this to be a violation is section 809d of the FDCPA, so I demanded I be able to check my email and review the information before I called back and paid. XXXX proceeded to tell me that if I did not pay before seeing this proof he would mark the account as a refusal to pay and take the further action. I explained that I knew my rights and would be calling back as soon I I reviewed the email. What I received was a list of charges all described as move out charges and nothing showed my security deposit was applied toward the balance. So I called back and complained to a manager. She also tried to mislead me into thinking I did not have the right to dispute until I brought up the CFPB. Then she explained that I would need to submit my dispute in writing though she did say an email would suffice. I immediately emailed the dispute to the address she gave me, explaining that I need more than a generic list of unspecified charges including a breakdown of how my security deposit was applied. On XX/XX/XXXX they finally mailed me the exact same proof they had emailed me in XXXX. I sent a follow up email explaining, the documentation they sent was not sufficient and I reiterated what information would be necessary to properly validate the debt. I have not received a response but I did just get an alert that the collection account has hit my credit. I dont need credit for anything, however I was not given the opportunity to pay what I legitimately owe before they reported it. I have been forthcoming about my intentions and due to the unethical and illegal practices of IQ data I have suffered stress and financial repercussions that should have been avoided had they respected my rights as a consumer.
Product: Debt collection

This collection agency, repeatedly calls my husbands number and sons number. To inquire about me after being told repeatedly to stop calling. They call from a ( XXXX ) XXXX and say to call another number which is XXXX ( XXXX ) XXXX. To resolve this issue.
Product: Money transfer, virtual currency, or money service

I have had numerous times where mtmy cashapp had money stolen, my card used in other states other than where I currently reside. Contacting customer service for cash app is a complete waste of time and they can never help you resolve anything.
Product: Checking or savings account

I always got fees on my account for overdrafts, I would always call the bank to see if they could refund me for those fees and I would always get no for an answer. 
There were days where I got up to {$300.00} worth of fees only.
Product: Credit card or prepaid card

The Discover it " SECURED '' card allows access to rebuild credit and establish credit, atleast that is how Disover advertises it. I applied for a " SECURED '' discover and was denied. My income was more than enough, my debt is decreases due to rebuilding credit, & I had MORE than enough money for a hefty deposit, WHICH DISCOVER HOLDS until they feel you are ready for a seucred card. My issue is I got an automatical denial without a manual review of my application and circumstances. The " SECURED '' card is marketed completely wrong and it is very disengenious in its verbiage.