23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Below is my email to the company as the officer refused to continue talking to me on the phone to resolve the issue. 
Dear Mr. XXXX : On XX/XX/XXXX my husband and I signed a legal document provided by a Notary Officer from your company on the agreed terms of our loan to refinance our property at XXXX XXXX XXXX, XXXX, XXXX as discussed over the phone with an interest rate of 2.25 % for 15 years. This rate was locked and we had a plan to close at the end of this month. On XX/XX/XXXX your office called me that we will be closing on Monday XX/XX/XXXX and I demanded for the final documents to go over it before Monday. When the document was shared, I noticed that the rate was changed from 2.25 % to 2.27 % with no prior information. I informed XXXX about the new rate and he promised to contact you to find out what happened. I never heard from you or XXXX regarding my concerns, even in exchanged emails regarding the other property which will be a different topic, I continued to ask for explanations which you never put down in an email except for the XXXX documents asking us sign. Today, XX/XX/XXXX, I called you regarding the Closing and the interest rate that was changed, your explanation was that the lender/underwriter changed the rate when my loan was presented as a second rental property ( which you have all the details ) prior to providing us with the rate of 2.25 %. I told you that this was illegal practice because as long as my rate is locked, a lender can not change my rate as long as we closed at the agreed upon date. 

As soon as I told you the illegality of your action, you decided you were not going to continue to discuss with me over the phone not to implicate yourself and went ahead to void the XXXX. 

At this point, I am asking you to follow due process to reinstate my loan terms as agreed and take me to Closing by the end of the month. I have also copied the Consumer Protection Office of my county to seek a mediation first before any other legal recourse because I believe this is a federal crime. 

Many thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score went from XXXX to XXXX to XXXX in a week. I looked and it states that I sent in an application for different loans from different companies and I never did that. I got another email today at XXXX XXXX saying my application for net credit was denied.. I received many emails, but I figured it was just spam. Till I actually looked at my credit score. I never even heard of this company. I want this to be taken care of and I am not sure who to reach out. PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXXand I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. Thank you
Product: Credit card or prepaid card

Capital One is refusing to activate my credit card due to a fraud alert placed on my card after it's approval. This is the second card these restrictions were placed on after it's approval. I have XXXX other accounts with this company which includes an authorized user account. I've spoken with several reps which all have given a different reason why my account is flagged for fraud. Whenever I asked for an explanation of fraud I was told that it's their process. In XXXX restrictions was placed on my card after it was shipped. Capital One requested a copy of my ID stating that it's the application process. The first week of XXXX I received a pre-qualified online application which was approved. On XX/XX/XXXX, I received a letter requesting that I contact Capital One for additional info to complete the processing of my application. A day or so after the card was shipped. I was denied activation once I received the card due to a fraud alert placed on my card for no apparent reason. I was asked to submit a copy of my ID, proof of residency and my social security card. These items were submitted but deemed unacceptable. I didn't feel comfortable to submit my bank statement in it's entirety to verify my address. Today I uploaded my ss card and the first page of my online bank statement. It was rejected by a XXXX stating that it was fake and that my account number need to be on the front page and all pages should be submitted. My bank account number has nothing to do with verifying my address. The previous rep stated that the bank will be contacted to verify my identity, this is unheard of. This process sounds fraudulent. Capital One shouldn't be allowed to contact my bank with my personal information to access my account for any reason, that's fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be XXXX XXXX compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This is the accounts I have marked as inaccurate XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/, I went to the Bank of America location at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 

I asked to close my accounts with Bank of America ( checking and saving ) because they had been charging me low balance fees. 

The representative I spoke with advised he would close the accounts and not charge me any more low balance fees. 

I checked my mobile Bank of America application this morning, and saw that my savings account had been closed, but my checking account had not been. Further, I have been charged {$12.00} for a " monthly maintenance fee ''. 

I called the representative I spoke with this morning, and left a voicemail asking him to call me back. He has not called back. I called Bank of America 's helpline, but no one answered. 

I want my checking account closed, and I want the {$12.00} fee waived. It is an unfair and deceptive act to represent they have closed my account, while failing to do so and charging me for the same. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized inquires on TransUnion credit report file. Please Remove those XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4
Product: Debt collection

They called me all day and have now tried calling friends and even called an ex boyfriend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved in XX/XX/XXXX for a personal loan at Security Finance XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This was a credit builder loan to establish current credit line to increase credit score. Security Finance states they report monthly to credit bureaus for this purpose. Payments were for 6 months, I have all receipts. Last payment XX/XX/XXXX. Around XX/XX/XXXX, my credit reports did not show current payments. At Security Finance office, I spoke to XXXX. She told me they were having problems with their 'reporting system. ' I asked her to reach out directly to credit bureaus to fix this. XX/XX/XXXX, I got stamped paid in full document for this loan. 7 months later in XX/XX/XXXX, my credit reports showed {$90.00} balance past due to Security Finance. I was given Security Finance corporate number, called and reported this problem. I contacted credit bureaus. Security Finance DELETED my account! Their contract states they will do monthly payment reporting..and they did not honor their end of the contract! They took all my money plus interest and did not provide services as stated. The also did a random credit inquiry which lowered my credit score from XXXX to XXXX. 2 years later, still no resolution.
Product: Credit reporting or other personal consumer reports

Hello, I have obtained a copy of my credit report and noticed I have fraudulent accounts on my credit report. Please remove these accounts immediately from my credit report as they hurting my ability to obtain new credit. Thank you for your time and consideration.
Product: Credit card or prepaid card

Back in XXXX XXXX, two ( 2 ) unauthorized transactions appeared on my Wells Fargo credit card account ( card # XXXX XXXX XXXX XXXX ). One is from XXXX with {$230.00} and one from XXXX XXXX with {$250.00}. I called WF to dispute this unauthorized transactions and after a couple of phone transfers, agent-supervisor-card dept., etc., finally I got to the Wells Fargo fraud dept XXXX and the amounts were settled and cleared. On that same phone conversation, It was also confirmed that I even ended up having a - {$70.00} balance ( overpayment ) upon further review of my credit card account. 
And promised me of repayment. On XX/XX/XXXX I've decided then to close the credit card account to avoid another incident to happen. 
Please see attached files showing my closed credit card account. Two are screen shots from my computer. 

Now come XXXX, I am not aware, until recently that Wells Fargo has put back one of the unauthorized transaction ( {$250.00} ) on my now closed credit card account. 

XX/XX/XXXX, I went to WF branch here in XXXX, TX to dispute again this transaction. This time I asked the bankers assistance to call WF to explain everything again. So the banker helped me out in explaining my case to card dept.-fraud dept. etc. 
After more than an hour of discussion, a case number was created for this issue. I requested an email correspondence for future communication. 

XXXX XXXX, XXXX, they sent me thru email the result of their investigation, which of course is in to their favor. ( Please see attached file, Wells Fargo Message.pdf ). This is very unfair and unacceptable. 

I really don't know what else to do/ where else to complain. All this time this has ruined my credit score, because of the fraudulent amount they put back in my now closed account. It's been a very frustrating and tiring experience.
Product: Debt collection

I was illegally evicted from XXXX XXXX XXXX on XXXX. The apartment was deemed Unlivable by a mold specialist. I moved out of the apartment the end of XXXX. There was a discrepancy in regards paying the rent for that month. I never received my security deposit of {$2400.00} which would have covered XXXX and XXXX which was alleged. After the court date the judge ruled that no monetary value was owed due to my security deposit. XXXX I received a threatening notice from a debt collector. The company claimed that I owe {$4200.00}. The notice demanded payment or this amount would be added to my consumer report. This company sent me an email at a very inconvenient time and demanded payment for an erroneous amount. This email has caused me a great deal of stress. I am currently looking for a new home but the pressure placed on me by this company is taking a toll on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card is not mine it is identity theft XXXX dollars trident asset mgmt identity theft for unknown amount and XXXX XXXX it was opened by fraud ive spoke to all 3 agency and they refuse to help so I want those 3 item off my credit report I have no knowledge of them and they refuse to help and these companies have no proof I opened anything in an otr driver please help me
Product: Debt collection

I had an Auto loan from Sun Trust bank which later merged into Truist bank and i was on an auto pay for the payment. For my monthly payment of {$250.00} i was auto paying {$300.00} and with no communication or information while switching from one bank to another the payment did not processed as the bank changed their banking information without informing me through a personal contact. 
They informed me of no payment after 2 months and after posting a payment delinquencies to my credit. When i contacted XXXX they did not took the responsibility to contact me with the new bank info or to set up my auto pay account again, instead they did nothing to fix this complain. 
I never had late payments to anyone, in fact i was making a {$50.00} additional payment towards my preset auto loan. I tried calling them and after checking the records they also confirmed this happened but are not fixing this at all. 

I want TRuist bank to fix this ASAP and take this late payment off from my credit account which is impacting my credit scores and is also impacting negatively my credit image to the whole world.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, I did not authorize.

Under the FCRA, credit inquiries from companies that I did not grant permission to are inaccurate items that must be removed from my credit report. These XXXX unauthorized hard inquiries are a violation of the Fair Debt Collection Practices Act ( FDCPA ) as well. 

I am enclosing supporting documentation highlighting the inquiries I am formally disputing. A copy of my state-issued ID is also included to verify my identity. 
I demand that your agency investigate these unauthorized hard inquiries and remove them permanently from my credit report within 30 days, as mandated by the FCRA. Failure to do so may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

Please send a written response explaining your actions once the investigation is complete. Let me know if any other information is required from me regarding this dispute. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I CLOSED XXXX ACCT AND REAL ESTATE COMPANY/LANDLORD DELAYED THE ACCT CLOSURE UNTIL THEY HAD SOLD AND CLOSED ON THE HOME I WAS RENTING.  THEY ASSUMED MY IDENTITY AND ISSUED APPROVAL FOR ACCOUNT TO REMAIN OPEN IN MY NAME.  BULL CITY HAS BEEN ADVISED OF THIS AND HAS CONTIUNALLY EVADED THE TRUTH OF THE ISSUE.
Product: Checking or savings account

I need my dispute claim # XXXX or # XXXX and # XXXX and # XXXX and # XXXX and to be # XXXX and # XXXX to be reopen or disputed or reinvestigated or make into a new dispute for or change dispute reason or investigative it again for {$110.00} and {$970.00} or give me a credit for {$110.00} and {$970.00} and {$30.00} and {$110.00} and {$970.00} and its is a fraudulent dispute but the last agents told me they couldnt reopen it because my account is closed please help me and please upload these documents to my both case # XXXX and # XXXX # XXXX # XXXX and # XXXX and # XXXX and # XXXX. I never authorized the payments it is a fraudulent unauthorized payment and # XXXX is for received service but they made a mistake on the birth certificate spell the name wrong please add it to case CFPB XXXX please contact me at XXXX and phone number is XXXX please reopen all the disputes you see on my account ending in XXXX and card number is XXXX XXXX XXXX XXXX that is debitcard and XXXX XXXX XXXX XXXX is credit builder card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting or other personal consumer reports

XXXX is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 

There is no contract or written permission where I { put your name } gave any written permission. 
If you XXXX believe that I have given you this permission I am requesting the document pursuant rule 1002. 

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. 
I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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.

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

Experian is in violation of 15 USC 1681b ( a ) ( 2 ). I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed listed below : XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

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

I HAVE PAID XXXX XXXX IN FULL FOR MY ACCOUNT YET THEY CONTINUE TO REPORT INACCURATE INFORMATON TO THE CREDIT REPORTING SERVICE, XXXX, XXXX, AND EQUIFAX. ALSO, THE CREDIR REPORTING AGENCY WITH EVIDENCE OF PAYMENT OF THIS ACCOUNT REFUSE TO CORRECT MY RECORDS. 

THIS HAS LED TO MY ACCOUNT BEING ERRONOUSLY AND MALICOUSLY BEING UPDATED AS DID NOT PAY AND BALANCE PENDING.. THIS IS DEFAMATION TO MY CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemsXXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX ( XXXX Creditor : XXXX XXXX ) XXXX XXXX : {$93.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

I worked for XXXX. XXXX XXXX XXXX  I received emails from a fraudulent organization called XXXX XXXX XXXX. I also received a fraudulent charge on my card for {$2000.00}. I contacted CitiCard for help, I was given a fraud Dept email address to send it to from that rep and, due to the most recent call, I found out that it was never filed and the emails cant be found. They are supposed to report and input every notification about fraud and it was never done. 
I was forced to quit my job with XXXX because of the eronious charge. I have received absolutely no help from the FBI, nor, XXXX. Without question there is fraudulent activity going on within Citibank. CitiBank needs to be investigated. Please assist forthwith.
Product: Checking or savings account

Capital one has been holding direct deposit from and now i have over XXXX in Overdrawn fees. Issues going on since XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Credit Report has many Credit Items, Credit Accounts, Credit Inquiries, and Personal information that does not pertain to me. I can't get a person at Experian to help clear this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX