23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am applying for a mortgage loa n with 5/3 Ba nk through their physician program. I offered {$250000.00} on a property. The appraisal came back at {$220000.00}. We are currently disputing, but the appraisal was poorly done and I believe was biased. The appraisal includ ed 2 properties that were listed, not sold and on the market over 90 days and a short sale when there wer e other, more comparable, properties that had recently sold. These were even provided to th e appraiser by the seller 's  agent. The property is located on the south side of  XXXX  in a traditionally low-income neighborhood. It is my impression that the bank and th e appraiser are allow ing their own implicit biases to come into play with regards to this loan. I do n't think the bank wants to invest in a neighborhood like  XXXX  due to its demographic. I find this unethical and inappropriate.
Product: Debt collection

An agency Aargon Agency is collecting on a debt on my XXXX and XXXX report stating I owe a debt for a medical bill. I have asked on several occasions for validation of the debt that is showing my signature of a release of my medical records which is a HIPAA violations to have my medical records shared without my consent. I have called the agency and also send over certified letters, and they only have put disputed on XXXX and XXXX report. I also reached out to both credit bureaus, and they only said the debt was valid, and I sent a letter stating that this company was in violation of HIPAA laws, but they have not corrected the issues. I am looking for you help to see if I can get this debt cleared from XXXX and XXXX. I have also sent over a certified letter to original creditor and it was sent back to me as undeliverable address, and I sent this to both credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 The information listed, which appears on my credit report does not relate to any transactions that I have ever made. Also under the Fair Credit Report Act section 604 15 U.S.C. 1681b ( 2 ) states ... Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances they need to show written instructions of the consumer to whom it relates. That right there alone is in violation of the FCRA 604 15 U.S.C. 1681b ( 2 ). I Never gave permissible purpose to even create a report for these fraudulent accounts below, they have to have my written intructions. I will need them to produce a contract in a affidavit form between me and the accounts showing that i granted them permission to furnish these reports in the first place. And if they had that permission I will need a senior executive to produce an affidavit to me. The affidavit also needs to be noterized by a senior executive showing that i granted them permission in the first place.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Money transfer, virtual currency, or money service

Westen Union Reference Number is XXXX XXXX Payment amount is XXXX XXXX XXXX value date is XXXX XX/XX/2023. 

Reason for complaint : Beneficiary Claims Non Receipt of Funds. 

Western Union lied about the payment value date. Western Union still refuses to provide me with the XXXX confirmation of my own XXXX payment. Western Union has now taken my US Dollars and refused to provide XXXX XXXX to the beneficiary bank in XXXX. I have no Dollars and my beneficiary has no XXXX XXXX. Western Union refuses to provide proper exact and legal proof of XXXX payment.
Product: Checking or savings account

XX/XX/year> : Reference to prior reports and complaints filed on this exact same company and case matter. Reference XXXX against Bank of America LLC Branch location XXXX XXXX XXXX XXXX XXXX Tennessee XXXX : and the Branch Bank Manager XXXX XXXX Ethnicity XXXX XXXX XXXX . complexion very very XXXX XXXX XXXX XXXX XXXX, hair XXXX in XXXX, appx XXXX in height and XXXX XXXX. have an XXXX accent when talking. 

Whom ever provided this alleged banking evidence to Consumer finance complaint department : Did not provided the actual evidence pertaining to the initial and legal complaint. This case was also criminal felons by the Defendants and Attorney XXXX XXXX in the XXXX XXXX Tennessee XXXX XXXX XXXX XXXX  Docket number XXXX Individual Plaintiff : XXXX XXXX XXXX of XXXX, Tennessee. 

Also be advised there was a legal complaint in with multiple jurisdictions filed against the Presiding alleged title Judge : whom was not a legal Judge are the Judge legally assigned to the court division of XXXX XXXX. And the legal Judge assigned to the division was suspended by the XXXX XXXX Tennessee District Attorney 's Office of Attorney XXXX XXXX.
Product: Credit card

Bank of America closed all three of my credit on XX/XX/2023 cards without prior notice. All cards were paid on time and there is no suspicious activity. I have been a BofA credit card member in good standing for over 20 years. Their rational for closing was not valid and I believe this was a racially discriminatory action by BofA. Their frequency of closing minorities accounts needs to be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts listed have violated my rights. In addition, some of these accounts are not even mine bring my scores down causing me to be denied. Its become a real hindrance for me and my children. 

Personify - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA
Product: Credit card

Yesterday, on XX/XX/2023, Capital One Platinum emailed me a dispute update letter stating a merchant ( XXXX XXXX XXXX XXXX ) responded to my credit card dispute of a {$250.00} unauthorized charge to my credit card weekend of XX/XX/2023. Merchant erroneously claims I stayed for XXXX nights at its hotel. In contrast, I only stayed XXXX night where they properly charged {$190.00} to my credit card. Inexplicably, merchant charged each night in 2 separate credit card transactions. Merchant ignored my telephone messages so I filed a formal dispute with Capital One Platinum. The Merchant 's dispute response to Capital One was deficient, lacked explanation and completely ignored my formal request for merchant 's electronically stored information related to my hotel room key which will provide I only stayed for one night instead if two nights. Merchant supplied no documents to prove this, documents with my signature to validate the {$250.00} charge, or the requested documents about the exact dates and times of my check in/out. Capital One 's dispute update letter sets forth the next steps in the dispute resolution process for me to upload rebuttal documents on its secured website for the dispute team to review. After speaking by telephone with a Capital One customer care representative yesterday morning who urged me to submit my rebuttal the same day, I uploaded my rebuttal documents yesterday afternoon. Yesterday evening, I called Capital One again who confirmed my rebuttal records were received and would be reviewed within the next few days. But, this morning, my Capital One online account indicates the dispute is closed without further explanation and the unauthorized {$250.00} charge was placed back on my account. As discussed in my attachments, Capital One 's actions violated its own internal dispute resolution written policies, its written customer fraud protection policy and everything its two employees said to me in two separate phone calls yesterday.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/XXXX I tried to get a car and I saw I had several credit cards under my name and were opened without my consent and got alot of debt under my name. The first one was opened on XX/XX/XXXX and got a balance of XXXX. The second was 2 accounts of XXXX XXXX XXXX for a total of XXXX. The 3rd account was XXXX XXXX  that was opened XX/XX/XXXX for total of XXXX. All these were sent to debt collectors and closed and affected my credit significantly and I am not able to purchase a vehicle or a home. The debt that I currently have open and are active with a debt collectors is capitol 1 for XXXX.
Product: Checking or savings account

Hello, I am a former XXXX customer who opened a high-rate savings account many years ago. CapitalOne purchased my account and several years later lowered the interest rate without telling me. I only found out this year when beginning to do my taxes. They call my account a " XXXX XXXX Account '' - deceptively close to their " XXXX XXXX XXXX Account '' which receives a much higher interest rate. I attempted to both call and chat with support to determine when this happened and what could be done about it, but I only get trapped in loops and dead-ends, unable to reach a human being to discuss.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite prior dispute attempts ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ), Equifax has not corrected the errors, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$200.00} Date of Last Activity : XX/XX/XXXXXXXX  Date Reported : XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Closed or paid accountXXXX XXXX  ; Account closed by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXXXXXX  contradict my financial records. These errors are unjustified and damaging. 
Legal Violations : FCRA Violations : Failure to ensure accuracy in consumer credit files ( 15 U.S. Code 1681i ). 
Failure to notify and adhere to proper payment cycles ( 15 U.S. Code 1666b ). 
TILA Violations : The inaccurate reporting undermines the purpose of the Truth in Lending Act to ensure transparency and fairness. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved, I will escalate my complaint to the CFPB and pursue legal action if necessary. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX. Email : XXXX I only sell XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and my account have been banned because I accessed it using a vpn ( without knowing it ) XXXX  browser activates a vpn without users authorization and I just found out that. I wont use that browser ever again or use any other browser that allows a vpn feature. Please restore my account immediately and help this small business get back on track. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inquiry from my credit report as it is not associated with me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has ample response to respond to remove unauthorized and inaccurate information 1. XXXX XXXX XXXX - XX/XX/2020 2.  XXXX XXXX XXXX - XX/XX/2020 please have them remove these inquiries.
Product: Money transfer, virtual currency, or money service

My chime Account was closed XX/XX/2023 for note providing my documentation. I had provided my documents multiple times But I still have a unused balance on the Account {$8600.00} chime refuse to release my funds after I provided everything they have ask for. chime finally told me they have processed my funds of the Account XX/XX/2023 to be mailed to my address on file I havent received anything yet it been past 30 days. IM confused and stress because chime not telling me anything just telling me to email chime and chime keep sending the same email.
Product: Debt collection

XXXX.I have never had an account with this company SEQUIUM ASSET SOLUTION, REMOVE from all credit agencies from reporting. 
XXXX.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SEQUIUM ASSET SOLUTION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or XXXX  to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

I was contact on XX/XX/XXXX by phone and a voice mail was left. I was told to call XXXX about a complaint that was filed against me. I was contacted by a XXXX XXXX XXXX representing nationwide court services in Washington. He said they were scheduled to deliver court documents to me and also to my mother in law at her address. The number that was given connected me to a XXXX XXXX XXXX XXXX in which I spoke to a XXXX XXXX XXXX who said that if this debt was not settled now that I would be taken to court and have my wages garnished. The debt in question is from XX/XX/XXXX which violates the statute of limitations in Ohio to threaten me with legal action and wage garnishment. I requested numerous times for this gentleman to provide me with a letter of validation in which he said he was not obligated to do so. He was demanding we set up payment arrangement with a check or card. I questioned why a certified check would not be accepted. He would not give me reason but only stated it was not an acceptable method. At no time did he recite the statement that I have heard many debt collectors recite that this was an attempt to collect a debt and any information obtained would be for that purpose. Neither did he advise me that the call was being recorded. I also questioned why the firm he represented was not found when I searched it on the internet. I was told it was because it was a private firm. I also requested to see proof that his firm obtained my debt legally in which I was also refused.
Product: Credit reporting

I would like the incorrect issue on my credit report removed showing a judgement as this was satisfied/paid in full a while ago. Thank you
Product: Checking or savings account

On XXXX/XXXX/XXXX, 11 fraudulent checks were deposited into my checking account and hours later the funds were available and withdrawn from different locations including XXXX and other atms. I noticed the activity the morning of XXXX/XXXX/XXXX and immediately attempted to report it to the number on the back of the card. This is a joint account and the card that was used was under the other card holder so he had to call and dispute. I was told to go into the branch also which I did that morning. The charges were disputed but a hold was put on the account for fraud. My regular direct deposit went into the bank on the XXXX for {$1100.00} but a hold was put on this until the investigation was complete. We were told at that point by the representative at the branch that are account would be closed and chances were we would not be reimbursed because the PIN number was used. I received 1 noticed that stated we were given provisional credit so we could function normally until the investigation was complete and this is not true. We did file a police report and are working with them on criminal charges, but that did nothing fro the bank 's investigation. I was basically without money for basic daily needs and the bank turned their head. We have attempted to follow up with the investigation but that has been very difficult because we are given no information from the branch and were refused any documentation from the supposed investigation that was completed. One rep told me the PIN number was used so that was the investigation. We are not allowed to speak to a supervisor when we ask and we are given the run around every time we try to follow up with any progress. We were told today that the " investigation '' was complete and the account would remain in negative standing but I have still not been provided with any documents regarding their research or investigation. We have both been treated like a criminal during this situation and told we did things that we did not do. The bank wants us to think that someone getting our PIN number is not possible and could never happen. There are ways in this day and time. 
I did ask the question several times about why these fraudulent deposits were made available so quickly and no one has been able to give me an answer. When I make deposits through the atm I have to wait on funds to be available. The customer service with this bank has been a joke and I will not stand for being treated the way we have been treated. The amount of money we are our is huge to us and the whole point of having a bank is so my money is protected. We tried going through XXXX and the FDIC but are still with no answers. I included the notices that I received dated only 1 day apart and 3 of the 11 deposits made into the account as an example.
Product: Credit reporting or other personal consumer reports

Account assigned by creditor ( XXXX ) to a collection agency ( XXXX XXXX XXXX phone XXXX. To my knowledge no notice about this account or the alleged past due amount was ever sent by XXXX to me or to my wife who is the primary account holder. 
I was contacted on XX/XX/year> by a lender who wanted me to know that my credit score had dropped roughly XXXX points to XXXX. The credit report indicates that i am an authorized party on the acct, that {$990.00} is outstanding and that the account has been closed. It is flagged as aderogatory information. 
Contacted both XXXX and XXXX XXXX to have this identified as a disputed account. I got the run around from both even after explaining that failure to correct could have an adverse effect on my livelihood
Product: Checking or savings account

I own XXXX XXXX, XXXX. We received a Paycheck Protection Program loan to stay in business. It was for {$290000.00}. We spent 100 % of these monies on forgivable expenses, overwhelmingly payroll. 
Due to limitations in Capital One 's IT systems -- the systems they require us to use -- we were informed that we should sign a docusign that shows that we both owe ~ {$31000.00} on the loan AND ALSO that the SBA calculations show we are fully forgiven. I subsequently received an email from Capital One showing that I am being laden with the loan. This is vexing for several reasons, but in addition to the confusing document, Capital One 's IT systems were not set up to receive legally valid documentation supporting our payables as forgivable.

We also have personal communication with our banker than we would be fully forgiven for this amount. Moreover, in the attachment, the loan is shown as being not fully forgiven -- Capital One 's calculated " loan forgiveness amount '' on page one is {$250000.00} ; however, the SBA calculation on page 5 is for the full amount of " {$290000.00}. '' We have been repeatedly told that SBA makes the decisions for award and management of the decisions and that Capital One is functionary in nature to facilitate the loan ( for which they were paid 5 %, or {$14000.00} for just this loan ). This is a gross mishandling of the PPP loan. Make no mistake -- I'm grateful for the PPP loan. It's kept me in business ; however, the business landscape for small businesses like mine ( think residential contracting ) is perilous. Tacking on a surprise of $ 30k+ is unwelcome, and I believe unlawful.