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

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance with an issue regarding the reversal of a bank transaction and the freezing of my account, which has caused significant inconvenience and financial strain on my life. 

Recently, I sold a bed frame and mattress. The buyer came to pick up the item in person and paid me a deposit of {$200.00} on XX/XX/XXXX, later {$1000.00} on XX/XX/XXXX, and a total of {$1200.00} using XXXX. She paid the deposit at that time, I was not aware of any risks involved and confirmed receipt of the full amount on the day of the transaction, subsequently handing over the bed and mattress to the buyers. 

However, nearly half a month after the transaction on XX/XX/XXXX was completed, I was suddenly notified by the bank that the transaction amount had been withdrawn and my account had been frozen, without any prior notice or inquiry from the bank. Upon contacting the bank for clarification, I was informed that the other party claimed the transfer was not authorized by them, necessitating the reversal of the transaction. Despite my immediate attempts to communicate with the buyers, they denied having requested the bank to reverse the transfer. 

I am deeply troubled and disappointed by the bank 's decision to take action without a thorough investigation. This has not only resulted in the loss of the proceeds from my private sale but also affected my ability to pay for next month 's rent and living expenses, significantly impacting my life. 

I am extremely dissatisfied with the handling of this matter by the bank, especially considering my repeated attempts to contact them for a resolution, to no avail. I hereby kindly request your intervention in this matter to investigate the authenticity of this transaction and assist me in recovering the erroneously withdrawn funds. 

Thank you for your time and assistance. I look forward to your reply and hope for a swift resolution to this issue.
Product: Credit reporting or other personal consumer reports

CAINE WAINER have been reporting an overdue payment for which I have no responsibility. I have NO payments due.
Product: Credit card or prepaid card

Jpmcb card XXXX XXXX XXXX XXXX, DE XXXX XXXX I applied on XX/XX/2022 to the Southwest Rapid Rewards Plus Credit card ( info above ) to used to book flights. It was the first time applying for their credit card and I was denied without a reason for denial and the hard inquiry was placed on my XXXX credit bureau. I have a credit score over 740 and I don't don't have high credit utilization
Product: Credit reporting or other personal consumer reports

On my XXXX credit report, XXXX XXXX XXXX is showing as a delinquent account when this business is no longer open nor no longer has my home mortgage. I have asked for the delinquent and the account to be removed from my report. My home mortgage is current. This delinquent account is affecting my credit score. I also notice that I have a different credit score for each credit bureau but each report shows the same accounts. I see that my XXXX shows a student loan that I do not have.
Product: Credit reporting or other personal consumer reports

This issue with with Citibank, N.A., XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. 

RE : Home Depot Credit Services and Best Buy Credit Services Citibank is the issuer for both of these branded credit cards, however, Citibank does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond Citibank. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( Best Buy ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report. 

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home loan and my realtor told me that my credit was not up to par. After carefully reviewing my credit report I have realized that I have been a victim of identity theft. I honestly do not know what to do about it because I am not too familiar with credit. I am not sure how my information was obtained but this is really frustrating for me because I do not know what direction to turn. My loan officer told me to try and file a dispute with the credit bureaus which I have also done along with this. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXBalance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

The debt that was sold from Best Buy Card Services, financed by CitiBank, to XXXX XXXX XXXX XXXX was {$6300.00}. XXXX XXXX XXXX XXXX is now trying to collect {$6500.00} for the debt. 

After speaking numerous times regarding the balance being inaccurate, XXXX XXXX XXXX refuses to change the balance. 

At one point this debt collector attempted to bring me settle via legal arrangement and their own legal defense dismissed the case. 

Also, this debt collector is claiming that I have made payments towards the account and refuse to provide me with proof of the payments and the source of the payment. After other multiple attempts to reach out to this debt collector regarding this information, they continue to rudely speak to me and refused to provide me any documentation related to these " payments '' that was never made. 

I have also submitted a dispute with XXXX Credit Agency under file number : XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX XXXX Account number : XXXX 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 Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

ON XXXX XXXX TOLD ME THEY WILL NOT CONTACT ME ANY MORE TO MY PHONE NUMBER XXXX. UNFORTUNATELY, ON XXXX CREDIT MANAGEMENT SENT ME XXXX ILLEGAL AND UNWANTED TEXT MESSAGES TO MY PHONE NUMBER FROM THEIR PHONE NUMBER XXXX. I HAVE ALREADY TOLD THEM TO STOP CONTACTING ME BUT THEY CONTINUE TO CONTACT ME WITH THEIR ATDS. THE TEXT MESSAGES I RECEIVED FROM THEM WERE NOT SENT BY A HUMAN BEING BUT AN COMPUTER PROGRAM THAT STORES MY PHONE NUMBER AND SENDS OUT MESSAGES AUTOMATICALLY.
Product: Vehicle loan or lease

On XX/XX/XXXX I submitted notarized revocation of POA, instructional letter detailing the problem and acceptable remedy, security instrument, all was sent together via registered mail to XXXX XXXX XXXX, XXXX XXXX XXXX to, Toyota Motor Credit Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did make XXXX previous attempts to speak with XXXX XXXX XXXX regarding my concerns of the auto contract and what I believe to be deceptive and fraudulent practices. Both of my attempts to resolve the matter with XXXX XXXX resulted in the call being intentionally transferred to other departments, multiple abrupt disconnected calls and XXXX reps refusing to transfer the car to XXXX XXXX XXXX as I requested, nor would the person allow me to leave a message. Per 16CFR433.1 ( C ), the contract is actually between the bank- Lexus financial and 16CFR 433.1 ( J ) the dealership- XXXX XXXX XXXX XXXX XXXX The only legal parties that may enter into contractual agreement are the creditor-Lexus Financial and the seller- XXXX XXXXXXXX XXXX XXXXXXXX XXXX In addition as a consumer as defined by 16 CFR 433.1 ( b ) and TILA I am protected against deceptive and fraudulent business practices. However I noticed that after reviewing and comparing the documents that I received in hand from XXXX XXXX XXXX on XX/XX/XXXX prior to my leaving XXXX XXXX and the requested " copy '' that I received XX/XX/XXXX, my signature was forged on page XXXX of XXXX of the NOTE aka " retail installment ''. 
Upon my signature on the NOTE I am holder in due course and should have also receive a check reimbursing the full amount plus interest for my investment. Unfortunately I didn't realize nor did I understand that I also signed POA and security interest to XXXX XXXX XXXX XXXX and as a result the check that I was unaware of and which was payable to me was received and processed by the security transfer agent for XXXX XXXX of XXXX. I Have since revoked Power of Attorney to XXXX XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally report a discrepancy regarding my auto loan with Navy Federal Credit Union that has adversely impacted my credit report. 

Several months ago, I reached out to Navy Federal Credit Union to discuss a payment arrangement for my auto loan to prevent any late payments from showing on my credit report. After speaking with a representative, an arrangement was reached where I was assured that the agreed-upon payments would prevent any late payments from being reported to the credit bureaus. 

The representative explicitly informed me that the arrangement would ensure that no late payments would be reported to any credit reporting agencies, including XXXX. However, upon checking my credit report recently, I noticed that the payment has indeed been reported as late. 

The agreed payment arrangement was intended to prevent any late payments from being reported. I was assured that the late payment would not be reported. 
I believe this reporting is in error and is a direct contradiction to the arrangement made and the assurances given by Navy Federal Credit Union. This incorrect reporting has negatively impacted my credit score and is causing me undue distress.

I kindly request an investigation into this matter and the correction of my credit report to reflect the agreement made, ensuring that no late payment is shown for the period in question. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
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 I 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

UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen XXXX unauthorized inquires on my report. The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and XXXX ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with SYNCB/PAYPAL As well as I do not have an account as defined under 15 USC 16939 ( a ) with SYNCB/PAYPAL for reviewing of any sort.

SYNCB/PAYPAL is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. XXXX ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent XXXX ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or XXXX ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate pursuant to 42 USC 1983 if you do not comply with this demand.
Product: Credit reporting or other personal consumer reports

I recently examined my credit report and uncovered fraudulent accounts damaging my creditworthiness. I urgently request the removal of these accounts to restore my credit standing. I attached the documents with those accounts below.
Product: Mortgage

My complaint is against Green Tree Servicing. While they were the holders of our mortgage note we were having financial difficulties. I tried explaining this issue to them and they would n't hear any of it. They contacted me multiple times daily when I was late with very bad attitudes and abusive language they even contacted my neighbor when I was late and told her that I was late making my payments and left a message with her to call them. My husband and I were mortified, this was truly one of the most embrassing things that has ever happened to us. Not only were we struggling to pay bills, but trying to find a decent paying job in our community which paid a living wage. We felt defeated! We had no choice but to stay with this company since our credit had taken a beating. We are still suffering from the repercussions of the economy, our credit took a beating. We did manage to save our home as well as our vehicles. I have also asked about items that our on the monthly bill and never received an answer.
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. XXXX XXXX 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 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: Mortgage

After my first inital complaint ( XXXX ) I was contacted on my cell phone by someone at WellsFargo. I missed the call and called the number directly back. After speaking to the lady who answered the phone I was transferred to another lady, only to be disconnected during that transfer. Luckly I had the phone number and extension and called it right back, only to get a voicemail. I left a message and it took 2-3 days for a recall call. After being told my home specialist was changed from XXXX, who never returned my calls and was rude I was told I have an XXXX. I called XXXX direct number and left a message on XXXX/XXXX/15 @ XXXX to return my call. After not being called back I called and left another messsage on XXXX @ XXXX pm.. I still was not called back. I left another message on XX/XX/XXXX @ XXXX, finally I called again at XXXX using a different method other than his direct line. Needless to say he answered. When he asked what I needed, I explained I just wanted to know what was going on with my account. He said I needed XXXX full payments or I could do a short sale or foreclosure. I had explained how I had left him several messages and had left XXXX several as well. I tried leaving a payment on XXXX voicemail a month or so ago since she never called back. XXXX explained they can not take payments from voicemail. I was never called and told that, so how would I have known. No one calls back nor do they care if a family is about to lose thier home. I had sent XXXX the paperwork she requested when she was over my loan and even a letter explaining how my husband at the time had lost his job. I have to wonder if by me doing these complaints, is Wellsfargo is going to make this worse for me? 
This bank does n't seem to care and after reading all the complaints online I see why they get them. I do n't even know what to do or where to turn.
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against Experian Credit Reporting regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address of. 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. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 


Request for Confirmation : I request that Experian Credit Reporting investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the information being reported on my credit report is incorrect. 
it's a few days short of 30 days and i have not received any updates on my fraud dispute letters. 

This Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX Account # XXXX Date Opened:XXXX Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX Equifax Credit Information Services INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of verification used for the information listed on my credit report, as provided by your agency. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) entitle me to this information, particularly in regard to the accuracy and integrity of my credit profile. 

Dispute Information : XXXX XXXX XXXX XXXX ACCOUNT # XXXX This account was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! 

Additionally, your agency has violated my consumer rights and violated federal law under the permissible purposes section ; theres proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below : 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, the law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.

In accordance with the FCRA, I am requesting that you provide me with the following : 1. The specific information that was used to verify the accuracy of the items in question.

2. The name and contact details of the entities that furnished this information to your agency.

3. Any documentation or records that substantiate the verification process.