23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My card and phone was stolen and some of my personal information was compromised. someone used my card to make unauthorized transactions.. i submitted a dispute to get my bank to rectify the situation and help me and they ended up denying my claim stating that our research confirms that the transactions are valid the total amount of the dispute was for the amount of XXXX case number XXXX my bank stating that the transactions were found to be valid contradicts them issuing me a final credit for another dispute and the case number for that dispute was XXXX from transactions i didnt realize at first when my card was stolen over all there was XXXX dispute.. the bank that XXXX making this complaint about is FIFTH THIRD BANK they told me originally that the dispute that has the case number XXXX was denied because i missed a couple transactions and i would have to dispute them before they can re open the dispute i carefully went over my bank statements and did XXXX upon me doing so i submitted a additional dispute and they opened the first XXXX back up.. just for the first XXXX to be denied and the second to be approved and the credit issued on the second one to be final.. this whole situation has been extremely draining.. banks are supposed to protect their customer but instead i feel like Ive been violated all over
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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.
Product: Credit card

Citi bank refuses to validate identity based on the code word on file, address, birthday, etc. They are asking for other account numbers with other cards/banks and this feels very unsafe to me as a consumer. I refuse to give them account numbers for other companies and can't believe it's their SOP to ask for it. They will only verify on a second phone, with another account, or a letter. I can't even close the account until they resolve my identity even though they will not accept actual information about me or the phone number I entered myself when opening the account.
Product: Mortgage

We have our first mortgage with Bank of America and we are trying to refinance our loan with another bank. The address on our FHA loan through Bank of America is wrong and we need an address change on the loan documents. They told us they needed certain documents faxed, so we faxed them multiple times. Weeks went by and they continued to say they had not received them. We had faxed all of our information as did our new lenders. We continued checking up on it and eventually they said they have them but they have now changed their rules and need more documentation and that our prior documentations would not work. We have sent over everything else they have requested proving that our address is what we say it is and not what they have down and are now telling us it could be up to 180 days before they get our address changed. During the whole process they have asked us to refinance with them and are now dragging their feet on helping us get our address changed on the loan documents. It has been a complete and total nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 1 ) XXXX XXXX  - Account # XXXX 2 ) XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX ) XXXX XXXX  - Account Number- XXXX XXXX ) XXXX XXXXXXXX XXXX Account Number- XXXX XXXX ) XXXX XXXX XXXX XXXX  - Account Number- XXXX XXXX ) XXXX XXXX -Account Number- XXXX XXXX ) XXXX XXXX  - Account Number - XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX - Account Number - XXXX XXXX ) XXXX XXXX - Account Number - XXXX XXXX ) XXXX XXXX - Account Number - XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX ) XXXX XXXX - Account Number 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.1861 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Banco Popular XXXX Visa statement posted on XX/XX/2021 with {$140.00} annual fee. I called the customer service line and to close my account on XX/XX/2021 and the representative stated the fee still applied. I asserted there should not be a fee for a service Im not longer using when I terminated the service before the fee was due on XX/XX/XXXX. The fee has not been waived and Banco Popular is still requiring payment. On XX/XX/XXXX I paid {$140.00} annual fee and called and close the account on XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im in the process of buying a home and found fraudulent accounts from DEPTEDXXXX on my credit report in XXXX so I disputed them. The credit bureau did not conduct an investigation. I called twice and both of the customer service representatives told me that they refuse to investigate because there were several payments made on the accounts, so the DEPTEDXXXX  accounts are mine and will not be remove. This credit bureau violated the Fair Credit Reporting Act! This unlawful conduct has cost me a lot of stress and financial hardship. The DEPTEDXXXX tradelines on my credit report are fraudulent, inaccurate and incomplete. I do not have an account with DEPTEDXXXX. DEPTEDXXXX accounts have no alleged credit limit, no terms, no scheduled payments and have an incomplete name or a not an actual entity. 
DEPTEDXXXX account # XXXX {$4900.00} DEPTEDXXXX account # XXXX {$3500.00} CFPB please require this credit bureau to abide by FCRA and conduct a through investigation.
Product: Money transfer, virtual currency, or money service

I have a cash app account that suddenly stopped letting me sign in, recently my brother accidentally sent money to this account and I needed immediate access to it for an emergency. I called cash app to either get access to it or get my money and they refuse to help me in any way stating that it's for my protection. I verified everything that they asked of me and still no help. Keeping my money after verifying my information is theft, I want all of my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This discover credit card was opened with out my knowledge. 
I didn't utilize the credit for any personal purchases. 

Please investigate
Product: Credit card or prepaid card

I applied for a Chase Slate Visa Platinum account and on XX/XX/2021, I received a denial which I believe is unjust and based on discrimination. I had received numerous pre-screened credit applications from Chase and find it incredible that they would send me as many as five applications then when I apply, deny me the credit card account. I find Chase 's explanation and rationale for denial suspect, given Chase provides no specifics. Chase 's documented Key Factors are general and inaccurate statements to hide your discriminatory intent in my opinion given my credit rating is XXXX and my salary is approximately $ XXXX. Below is my response to Chase 's Key Factors that they use to justify the denial. The reference number from Chase is XXXX. 

Point 1 : My credit rating of XXXX out of XXXX. Why is this score inadequate, please clarify? 
Point 2 : I have made no more than two ( 2 ) other requests for credit in the last 12 months and/or sanctioned or approved no more than two ( 2 ) credit inquires in the last 12 months besides Chase. One was to determine the viability of a potential refinance of my propertys mortgage. Please define why those two are excessive? Define your standard for approval. It seems that Chase is suggesting that the Soft Inquires, that I know nothing about and have never sanctioned is the reason for the assessment, which is not appropriate.

Point 3 : Chase states that I have too many accounts with balances. According to XXXX, I have thirteen ( 13 ) open accounts. Less than fifty percent, six ( 6 ) of those accounts have balances, which includes a mortgage and car note. Define your standard for open balances and does it include mortgages and car notes? What does too many mean? 
Point 4 : I believe the Chase ( Lending Services ) assessment of my credit usage is a blatant misrepresentation. As of XX/XX/2021, I estimate that I have $ XXXX of available credit card credit. I have used no more than {$4000.00} of that available credit. Do the math, thats 2 to 2.5 %. What does Chase calculate my credit usage to be? 
Point 5 : Please explain what you mean by my proportion of loan balances to loan amount is too high because by any measure that is not accurate. 
- with respect to the XXXX XXXX Mortgage It was refinanced within 12 months so the proportion of the loan balance to loan amount is high, notwithstanding the $ XXXX equity in the property. 
-wrt XXXX XXXX XXXX XXXX the balance is less than 50 % of the XXXX amount. 
-wrt the XXXX XXXX XXXX The balance is less than 25 % of the Loan amount. 
-There are no credit cards where my proportion of loan balances to loan amount is above 10 %. Most are XXXX. Therefore, I would like a specific detailed rationale and explanation on why I was denied and am not worthy of the Chase Slate Visa Platinum account and an explanation on why I was sent the applications and why the applications did not expressly say the criterion for approval for the card. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX XXXX openedXXXX {$1900.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Product: Credit reporting or other personal consumer reports

XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to COLLECTION BUREAU OF THE.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I contacted Transunion Credit Company about an on going issue with an Collection on my Credit report that is 7 Years Old reported by XXXX XXXX XXXX XXXX. In the Amount of {$490.00} Dollars. I tried to call XXXX XXXX for Validity of the Collection account and to obtain more knowledge and Resolve the Issue but they keep giving me the run around. I called the Original Creditor XXXX XXXX gave them the account number and the Last Reporting Date of the Account which was in XXXX again 7 years ago. XXXX XXXX Stated they had no knowledge of the account. Again I reached out to Transunion for Help they keep telling me to Dispute the Account. Every time I dispute the Account it comes back Verified. I asked the Transunion Rep. How can an Account come back Verified that does not belong to me. Especially an Account that is 7 years Old. I also asked the Transunion Rep, What did XXXX XXXX Send to prove verification or did they have an contractual agreement with signatures so we can compare signatures and come to resolution together. Transunion is giving me the run around as well and will not properly investigate the matter. I contacted the local authorities in my town. They Sent a XXXX County Deputy to my home. He viewed the information on my credit report. Filled the proper police report on my behalf and issued me an Police Report Number. 
I am a Tax Paying, Law Abiding hard working citizen of the U.S I can't believe that TRANSUNION will Prey on Consumers like myself. I made an report with the FTC and the XXXX.
Product: Credit reporting or other personal consumer reports

I am filing an complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite any of my submissions, Equifax consistently responds within 24 hours th account is accurate, without providing any evidence of a through investigation and also providing me with the original contract which states that Equifax has my written consent to furnish any privacy information. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB- 0002 ) against similar violations. I request that the CFPB take action to ensure Equifax complied with federal law and provides Consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I requested that Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Acct : XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXXXXXX XXXX XXXX Account Number : XXXX. Experian - XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX. XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX 


However, the response I received back was that everything was complete and accurate. How is that possible if the open date, date of last activity and several other contributing factors are incorrect. According to 15 USC 1681i ( 5 ) the credit bureaus are to modify accounts that are not reporting correctly.

15 USC 1681 section 602A. States I have a right to privacy.

15 USC 1681 section 604 A Section 2 : A consumer reporting agency can not furnish a 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 information any other item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s_2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is incorrect.

Not compliant with Metro 2 credit reporting.
Product: Debt collection

yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense they said they were going to send the letter in the mail never came and now i want to sue Company 's Response In response to the correspondence we received, a letter of explanation has been sent. Following is the body of the letter. " In response to correspondence previously received under case number XXXX, our letter dated XX/XX/2020 confirmed that we are no longer reporting the above-referenced account to the credit bureaus and that we had terminated collection efforts. If our trade line should continue to reflect on your credit bureau report, we suggest that you dispute the trade information with the credit bureaus. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Criminals accessed my credit report to check me out and then fraudulently acquired a auto loan in my name # XXXX. I have complained heavily against XXXX XXXX XXXX XXXX but to no avail. The credit was not extended to me but to the criminals. XXXX XXXX XXXX XXXX  continually denied so I am proving the fraud since XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report. Transunion and XXXX  also have liability because they are refusing to acquire the permissible permission from XXXX XXXX XXXX XXXX, review the permission that does not exist, and then remove the negative listing from my report. XXXX  XXXX XXXX XXXX is relying upon an forged, undated, and incomplete application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, filed an dispute a month ago on the Inquiries : Item # XXXX XXXX XXXXXXXX XXXX Item # XXXX XXXX XXXX XXXXXXXX XXXX there has been no changes made and by law after 30 days, the reason for deletions must be made, and according to my repairs my credit has inaccurate information on my credit report these inquiries has to go as I have FCRA right to dispute.
Product: Debt collection

XXXXTHIS COMPLAINT IS IN RESPONSE TO CFPB COMPLAINT # XXXX My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Consolidated Recovery Group , LLC for violating my cease and desist demanding them to STOP all communication & collection activity. Consolidated Recovery Group , LLC also is admitting these violations by stating " We have attempted to reach XXXX XXXX both by mail and phone without success '' I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

Consolidated Recovery Group , LLC stated in their response to COMPLAINT # XXXX " The balance was sent to XXXX 's internal collection dept. and when they were unsuccessful, the contract was assigned to this firm for collection. '' I have not validated any alleged debt with Consolidated Recovery Group , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XXXX, XXXX  I have not received any documentary evidence, such as a trilateral contract, giving Consolidated Recovery Group , LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Consolidated Recovery Group , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Consolidated Recovery Group , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Consolidated Recovery Group , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Consolidated Recovery Group , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Consolidated Recovery Group , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.