23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX, my husband and I relocated to XXXX, XXXX. At that time we had our personal residence in XXXX XXXX, XXXX which needed to be sold. Previously it was rented several times and the renters ' moved out, causing a hardship of paying the mortgage. In XXXX, XXXX XXXX listed our property, XXXX XXXX XXXX, for {$190000.00}. It did not sell so we contacted Citi Mortgage for consideration of a short sale. To be approved for Short Sale we had to show a hardship of not being able to pay the mortgage. The Citi Mortgage representative, XXXX XXXX, obtained the BPO ( Brokers Price Opinion ) for {$140000.00}. The property went into pre-foreclosure at XXXX County Clerk of Courts and sold on XXXX XXXX, XXXX. During the ten day redemption period, the listing agent sent XXXX offers to the Citi Mortgage Representative, XXXX XXXX, a short sale representative. The offers were for {$110000.00} and {$110000.00}, the latter offer being increased to {$120000.00}. During this time Citi Mortgage gave me the impression they wanted to assist me in keeping my house out of foreclosure, but Citi Mortgage did not accept either offer! This dialogue is documented through emails, which will be sent in attachments available on a word document. 
I contacted Citi Mortgage regarding the above mention property and was informed the property sold on XXXX/XXXX/XXXX for the price of XXXX and the account was closed on XXXX/XXXX/XXXX. 
The National Mortgage Settlement and Independent Foreclosure Review included this property in a complaint against Citi Mortgage for their erroneous errors and mismanagement against consumers regarding various mortgage issues. On XXXX/XXXX/XXXX, I received {$1400.00} from National Mortgage Settlement, and on XXXX/XXXX/XXXX {$500.00} from Independent Foreclosure Review. These amounts do not represent the hardship I have incurred which has caused damage resulting in me having no credit worthiness. 
The reason for my complaint is that I desire to be fully compensated for damages to my financial portfolio. These acts by the mortgage company have prevented me from obtaining mortgages, low interest rates for credit cards and various loans. This hardship has denied financial possibilities to aid in obtaining credit stability to purchase a home. 
Thank you in advance for reviewing my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Capital One XXXX XXXX XXXX XXXX XX/XX/2019 etc I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is being reported with an inaccurate information. 

This letter is in response to my letter mailed and dated ( XX/XX/XXXX & XX/XX/XXXX ) to Experian, XXXX XXXX XXXX. In my letter that was dated XX/XX/XXXX, I disputed names associated to my report. My legal and correct name is XXXX XXXX XXXX. I provided copy of my social security card, driver 's license and copy of a utility bill. 

I requested that all these names are deleted to any consumer credit reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$210.00} Balance is {$0.00} now XX/XX/2013
Product: Credit reporting or other personal consumer reports

I have reason to believe that Experian, XXXX and XXXX have not completed a full investigation into disputes that I have filled with them on XX/XX/XXXX and XX/XX/XXXX, they are not fully checking for accuracy for the disputes, just making sure that the name on the account matches. 

According to the FCRA : 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports and protects the privacy, accuracy, and fairness of personal information. The section includes the following findings : The banking system is dependent on accurate and fair credit reporting. 
Inaccurate credit reports can impair the efficiency of the banking system. 
Unfair credit reporting methods can undermine public confidence. 

I have received letters from all XXXX bureaus stating that there was a data breach and my personal information has been compromised.
Product: Credit card or prepaid card

In XXXX of 2021 I sent DISCOVER an Affidavit regarding a billing error notice pursuant to 12 CFR 1026.13 and the affidavit was unrebutted. An unrebutted affidavit stands as truth in commerce. Following this DISCOVER took adverse action against me by lowering my credit limit and closing my account with no explanation. According to 15 U.S. Code 1681m - Requirements on users of consumer reports ; they are suppose to provide full disclosure of this action. Prior to closing my account DISCOVER refused to credit my account when full payment was sent by accepting the coupon for value that was attached to the statement, they failed to honor the remittance coupon and failed to dishonor the coupon. Since closing my account DISCOVER has continued to charge interest fees and has also continued to withdraw payments from my bank account. This is a very serious matter and if not resolved will result in further escalation to the FTC and State Attorney General. I was never given full disclosure regarding this extension of my consumer credit and was lead to believe that I owed payment and once I asserted my rights as a consumer DISCOVER retaliated against me by closing my account. Furthermore HJR-192 prohibits payment of debt and substitutes, in it's place, a discharge of an obligation.
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting that my score is XXXX and that isnt even close to what it is supposed to be reporting. 

I need Transunion to get the correct score reporting for my credit report.
Product: Checking or savings account

Please see previous case XXXX XXXX I am rejecting this response because : Wells Fargo and the staff assigned to investigate this claim have been dismissive, have attempted to gaslight me, and refuse to take any responsibility for protecting and supporting loyal customers. There has been NO transparency in conversation, and it has taken me to push these complaints to get any response. I've requested documentation of why my claim was denied, and first I was told to call a number to request the documentation, next I was told that the Escalation rep XXXX XXXX XXXX put in a request on my behalf for the documentation but it would take up to 30 days to receive. I was disconnected from a call, and was told that " the agent said you hung up ''. Also important to note, that WF did not acknowledge receipt of the initial email with supporting documents until the rep XXXX XXXX XXXX called me today and I raised it. 

All of this is crazy. I am a professional that works in local government. I know my rights, and all I am asking for is a thorough review of my claim and reimbursement of funds that were fraudulently scammed from me. I have spoken to others that have been victims of similar scams, and were reimbursed their funds from Wells Fargo and/or XXXX XXXX XXXX XXXX I've asked on numerous occasions to speak with a manager and was either transferred to a voicemail box with no message or disconnected. I've been a customer of Wells Fargo since XXXX, and I expect some level of respectful customer service. 

Why does it take 30 days for me to receive the documentation and process used to investigate my case? What is the " compelling '' evidence that WF found that supports the denial of my claim. No one has ever interviewed me or asked me about what happened. 

I will not accept this response until : 1 ) I receive documentation of the process and steps outlined to review my claim and reasons for denial. This includes what the " compelling evidence '' is as mention in the letter by XXXX XXXX 

2 ) Review of my claim and action from Wells Fargo which would include restoration of my funds. 

3 ) Apology from wells Fargo for the rude, disrespectful, condescending, and poor communication from their staff ( claims and escalation ). 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a CITIBANK 's XXXX XXXX credit card ( XXXX ). I called the customer service to ask a very simple question : when was my card opened? I was told first by the regular agent and then by her supervisor that I DON'T HAVE THE RIGHT to know that information " for security purposes '' (!! ). None of other credit card providers I have cards with have ever had any problem disclosing this info to me- always a matter of just one quick call. 

Please address this. This is a flagrant violation of my rights as a customer.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Bureau Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and also regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
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 VA XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX VA XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX VA XXXX HARD XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX XXXX XXXX HARD Reported XX/XX/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-1 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX 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 XXXX report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. I have disputed this in accurate report before have called XXXX XXXXXXXX XXXX over XXXX times and they simply say that account has been closed and we have no access to remove the report. I simply ask why is it being reported as Closed for fraud why? 
Please verify the following account or remove it immediately. 
XXXX XXXXXXXX XXXX Reported For : Fraudulent activity
Product: Credit reporting or other personal consumer reports

My accounts was breeched and my personal information was exposed for the 3 credit bureaus Equifax, XXXX XXXX XXXX XXXX. I was informed I would receive an email regarding the settlement by the monitoring agencies that were found liable for damages,
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute the accuracy of an account on my credit report that is being reported by TransUnion. The account in question is [ account name and number ], which is being reported as collection. I believe this account is inaccurate and request that TransUnion investigate the account to ensure that it is being reported correctly. I also request that TransUnion provide me with validation of the account in question, including but not limited to : * The name and address of the original creditor * The original account number * The date the account was opened and closed, if applicable * The total amount owed on the account * The dates and amounts of all payments made on the account If TransUnion is unable to provide validation of the account, or if the account is found to be inaccurate, I request that TransUnion remove the account from my credit report.

* Enclosed with this letter, please find a copy of my credit report highlighting the account in question.

* Thank you for your attention to this matter. 
* Sincerely, * XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud reporting in XXXX Inquiries XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX  XXXX Account Number:XXXX Fraud reporting in XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in Equifax Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX I have called and talked to multiple customer service agents from XXXX, XXXX and Equifax to block the fraud inquiries and account. They refuse to help me.
Product: Checking or savings account

I opened up a 18th months CD on XX/XX/XXXX with People 's United Bank NA on XXXX XXXX, NY. The CD matured on XX/XX/XXXX, the bank never informed me about the maturity of CD, no letter, no phone call, no e-mail. The bank renewed the CD for another 18th months with out my consent at a much lower rate ie 0.45 % annually than the market going rate 2.3 % annually, I tried to reason with the bank about closing the CD and opening an other CD with the current market rate, the bank declined and wanted to impose {$2700.00} penalty in the event I close the CD. 
I am XXXX years old and that is my retirement money, please help
Product: Debt collection

I have submitted a complaint previously on XX/XX/2021. This debt buyer is still reporting inaccurate information. I have no legal obiligation to a debt buyer per law. I asked previous to send proof of the alleged debt. But the only thing provided was a copy of a original contract from a creditor. I have never entered into any contractual agreement with NCB Management. This inaccurate information is casuing emotional turmoi.l The presence of these inaccuracies has caused immense anxiety, frustration, and stress in my life. Constantly worrying about the unjustly damaged credit score and the potential negative consequences has taken a toll on my emotional well-being. This is a mental burden, dealing with the consequences of these inaccuracies has resulted in sleepless nights, difficulty concentrating on daily tasks, and an overall sense of mental anguish. The constant preoccupation with rectifying this situation has adversely affected my overall quality of life. I assert my rights under the FDCPA and the FCRA to dispute the debt based on the absence of contractual privity, lack of validation, and potential inaccuracies in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2012, {$XXXX} This account was paid and closed and was originally reported inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX and barxlys state the accounts are mine that is not true never recived a letter of proof of the debt no records of it just a letter stating they have the information I want them to provide that proof if not these accounts should be rempved from my credit report
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit card

My identity was stolen in XX/XX/year> because of a data breach with my dental insurance company but I was unfurnished via a letter in XX/XX/year>. At these time I signed up for the free credit monitoring they provided and put a freeze on all XXXX of my credit teports. I before this beach caused there to be fraudulent charges that occurred back to back on my " shop you way '' Citibank issued credit card. The first charges were dismissed because they said those were fraudelent but once they sent me the replacement credit card other XXXX charges appeared tgat happened back to back at the same store in the amount of about {$450.00} dollars one day after the other. Even though I signed up for the text messages I did nit receive one on the first day, on the bext day I did receive an alerts and immediate put in for fraud again, but they're telling me that someone used the card so it waveguide features even though I currently do not have the card but I received it. I live with elderly parents and no one is authorized to use my card but they are telling me that I'm responsibility for charges I did not commit. I offered to do a police report and they told me it was not necessary but still making me push for skein I did not charge. I closed all of my citibank XXXXredit cards ( I had XXXX ) since clearly they are just as much of a thief as the person who stole my identify and is using my card.