23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern : I had contacted a local Citibank about refinancing a mortgage that I hold on a home in XXXX XXXX to take cash out of the equity for use in purchasing another home. I held a meeting with a loan officer at Citibank, XXXX XXXX XXXX XXXX ( NMLS # XXXX ), to discuss their refinance services and asked if they could give me what I would need to purchase a second home : {$150000.00} cash-out from my existing property that is nearly paid off. I provided them with an estimate of the home 's value as well as my income from the last two years, based on my tax returns, as well as the debt that I owe on my cars. The loan officer was optimistic about obtaining the equity, and informed me that I would have to pay for appraisal and application fees upfront, which came out to the disputed amount of {$520.00}. 

I left the office and received the attached document titled, " First Loan Estimate, '' which listed the amount that I was seeking and an interest rate that XXXX and I previously discussed. However, a few weeks later, I received the Second Loan Estimate, which specified that the loan would drop from {$150000.00} to {$85000.00} while the interest rate would increase from 3.75 % to 4.375 %. I wrote the loan officer an email where I explained that this is not acceptable and if it can not be corrected back to what we discussed, I would like to withdraw the application and to refund me the application and appraisal fees. 
The loan officer called me a few days later and explained that he could possibly raise the amount of the loan again but to give him a few days to see what he could do. I agreed, and then received the document titled Third Loan Estimate, which was for {$110000.00} at 4.375 %. 

I explained that this is not acceptable and that I can not purchase a second home with such a small amount, especially considering the fees associated with the loan. The loan officer agreed to withdraw the application but when I asked him to also refund me my upfront fees he replied, " Hi XXXX, we wo n't be able to refund the fees. As we had discussed they are not refundable. '' He never stated that the fees were non-refundable prior to paying them ( see the attachment titled Emails ), nor did he ever warn me that the loan amount could drastically change like it did. I would like to ask that the fees I paid be refunded.
Product: Debt collection

On XXXX XXXX, 2020, a collection was added to my three credit reports by National Credit Adjusters. I was not notified of this debt and was not given ample opportunity to validate the debt. However, when I noticed in on my credit report, I immediately called and paid the debt with the assumption that it would be removed from the credit reporting agencies. Even though I stated that I did not acknowledge the debt as valid, I was willing to pay so that I may regain my good credit as I didn't have any collections on my credit at all until this unexpectedly appeared. I have filed disputes with the three reporting agencies, only to have the information updated and refused to be removed. This was totally unfair in the fact that I had no knowledge of the debt and paid it as soon as I was aware of it. Had they properly contacted me by using the address listed on my credit report instead of the address listed on the debt they purchased, it would have been taken care of prior to becoming an issue on my credit report. This was unfair to do to someone who has no collections and it caused the purchase of the home I was involved in to fall through right before closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan is over 10 years old and has since been transferred or closed. Trans Union refuses to remove it. 

ACCT # XXXX, No balance reporting.
Product: Credit reporting

THE XXXX = XXXX, has reported to credit bureau that I owe them {$12000.00}. I was never informed of this alleged debt, and neither was I told that XXXX was reporting a debt to credit bureau. XXXX is payee for Social Security pension and Trustee for federal VA health benefit, and bth of these income sources go directly to XXXX on amontjly basis. When I left XXXX long term facilities on XXXX XXXX, XXXX, I had no outstanding debt except for each upcoming month of care at the XXXX RETSIL facility. I havve received periodic accountings of income received from XXXX and how the funds were disbursed, At no time was there any indication of any arrears after my departure of XXXX XXXX, XXXX. XXXX in conjunction with another party, filed a Guardianship petition during summer of XXXX, and among other allegations by XXXX is that I owed an unspecified amount to XXXX. I questioned this allegation through email with XXXX and I was not provided any documention to verify their contention. I hhave recently been denied for a mortgage loan and also a property management company has refused to rent me an apartment ; both of these have giVen a credit reporting without specification, though i suspect the XXXX report of my owing them {$12000.00} plays a prominent role in the denials. 

I 'M XXXX, IN A XXXX, XXXX, VETERAN AND XXXX. 

I REQUEST YOUR KIND ASSISTANCE.
Product: Checking or savings account

My savings account from XXXX XXXX XXXX XXXX was charged on XX/XX/XXXX for the amount of {$38.00}, XX/XX/XXXX for the amount of {$38.00} and XX/XX/XXXX for another {$38.00}. I was again charged XX/XX/XXXX and XXXX of XXXX, and XX/XX/XXXX and XXXX for {$38.00} each. I wasnt charged again until XX/XX/XXXX, XXXX and XXXX of XXXX again each for the amount of {$38.00} to an Amex epayment account. I do not have an Amex account or have ever applied for an American Express card. I have contacted both my bank and Amex. Amex has repeatedly told me that there is no account under my name or social security and therefore can do nothing for me. They insist that it is my bank that needs to further investigate the case. When I call my bank they repeatedly tell me that Amex should be able to look into it since the account is with them. My bank has been helpful in setting me up with a new account. I would really like to know where this charge has come from and where my money is going to and if possible to retrieve the money Ive lost.
Product: Credit reporting or other personal consumer reports

the following list of credit pull is unknow to me I did not ask for my credit to be pulled or did I tell anyone they can pull my report this is not right how can a credit pull your file with out me saying so here is a list of the credit pulls XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove these from my file because I do not know anything about these credit pull please
Product: Checking or savings account

On XX/XX/2023 received a letter dated XX/XX/2023 from Chase Bank with the following : We have decided to close your accounts. 
I have called Chase three separate times at the following number XXXX and spoke with Chase representatives about the letter seeking an explanation. None was given. The first call 's representative referred me to language in the agreement when opening the accounts which states that Chase reserves the right to close accounts without reason. 
I believe this is discriminatory actions based on race, religion and/or political views. 
My wife is the primary owner of the accounts being closed and she hasn't received a notification of the closures.
Product: Credit card or prepaid card

I completed a balance transfer for XXXX on XX/XX/XXXX from Capital One to XXXX XXXX The payment was cleared on XX/XX/XXXX. Capital failed to apply the payment to my account claiming it was because my digital card number was used verse the physical card numbering although there is nothing online stating so. I completed the same transaction on my other account with a digital card number and the payment was accepted for my other account with Capital One in the amount of XXXX. I have been dealing with both companies since and neither have made attempts to communicate with each other and/or locate the payment. I am being charged for both companies and feel helpless as one entity is saying they have the transaction and the other doesnt care to locate it. Capital one is saying they need a account and routing number and XXXX XXXX is saying they dont have access to that information since it was a electronic payment.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts named : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and 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 an 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

Subject : Formal Dispute of Inaccurate 30-Day Late Payment Reporting XX/XX/2022 Dear XXXX XXXX Dispute Department, I am writing to formally dispute the 30-day late payment that your company has reported on my credit file for XX/XX/2022. After reviewing my credit report, I found this information to be inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires furnishers of credit information to report only accurate and verifiable information. 

Under the FCRA 1681i ( a ) ( 1 ), I am requesting that you investigate and provide documentation supporting this late payment claim. If you can not verify its accuracy with proper records, I demand that it be removed immediately from my credit report to comply with federal law. 

Additionally, per FCRA 1681s-2 ( a ) ( 1 ) ( B ), a creditor is prohibited from reporting information that it knows or should know is inaccurate. If you can not substantiate this late payment with clear and legitimate records, continuing to report it would be considered willful noncompliance with federal regulations. 

Please take the following actions within 30 days, as required by law : 1. Conduct a full investigation into this reporting. 
2. Provide written documentation proving the accuracy of the late payment. 
3. If the late payment can not be verified, immediately request its deletion from all three major credit bureaus ( XXXX, Equifax, and XXXX ). 
4. Provide me with a written confirmation of the results of your investigation. 

If this issue is not properly addressed, I will have no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please respond in writing to confirm receipt of this dispute and provide updates on your investigation. I appreciate your prompt attention to resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX. I have a citi credit card set up on autopay. On XX/XX/23, I found XXXX charges from citi. XXXX purported to be a returned check fee and the other an insufficient funds fee. Both carry the same transaction number and both claim to be the result of a returned autopay. 

1. Although an autopay was due around this time, the bank records show a sufficient balance available and show that no attempted debit was made. 

2. The auto debit was {$25.00} and the XXXX fees ( differently styled returned item fees ) amount to {$90.00} in fees. 

The only contact with Citi advised that she was not authorized to address such issues and could not reach a supervisor. She was only able to read a script stating that the " fees are valid ''. She was unable to define the nature of the fees, explain why there were XXXX separate fees in differing amounts for XXXX alleged transaction or provide a transaction ID to prove Citi made a successful autodebit attempt. The only information she could offer was a XXXX XXXX XXXX write a letter to Citi. A copy of this complaint will be forwarded to that XXXX XXXX XXXX Citi has violated the terms of their own contract by applying multiple fees to XXXX transaction and has engaged in fraudulent practiced by failing to attempt a transaction and then gouging the customer, TWICE, for their failure.
Product: Checking or savings account

On XX/XX/2022, I entered Comerica Bank, located in XXXX, Texas with all of the pertinent required credentials to open a business checking account. I presented to the banker my EIN Documentation, XXXX Documentation ( Filed in XXXX XXXX ), and my unexpired photo identification ( Texas ID ). I explained to the banker, my XXXX is in the name of XXXX  versus the EIN in the name of XXXX XXXX. It was at that time I explained to her I am in the process of incorporating and the name of the company will be registered as XXXXXXXX XXXX  XXXX XXXX. Assuming everything was okay, I signed documentation for the newly opened account. If there was a problem at that time the banker was in possession of my identification, to include company documentation, and was privy to my social security number, could have easily utilized my SSN rather than the EIN to establish the account. On XX/XX/2022, I received a phone call informing me the account was closed, with no adequate explanation given. I was told, my identity could not be verified, then I was told there was problem verifying my company, and still Comerica have yet to provide me with an adequate explanation as to why I was denied the opportunity to open a business account. I cant help but feel that my XXXX  may played a part in how I was treated, which brings into question, how people of XXXX are treated at Comerica Bank.
Product: Debt collection

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that continue to tarnish my credit report. It has come to my attention that despite previous correspondence and my repeated demands, these fraudulent accounts persist on my credit report. This flagrant disregard for my rights as a consumer is absolutely unacceptable and requires immediate rectification. XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance ; {$730.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against a cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violate the financial protection 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 funds transfer act ( EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are not reporting that I have an open credit card account with XXXX as does my wife. I am secondary on this account. It was originally being reported then one day it disappeared off of my credit report impacting my credit score by 50 points. this credit card has always been paid on time. I have attempted to contact the credit bureaus as well as XXXX to fix this problem to no avail.
Product: Checking or savings account

XX/XX/2019 I had a provisional credit added to my account I didnt use. Apparently it was I had no idea and the fraud check was reversed not in my favor and it was taken from my account on XX/XX/2019. I was told funds were taken out of the account at this time which I didnt use. XX/XX/2019 my account was closed with {$1700.00} still owed. I would like my account to fixed I was young and didnt handle it because I didnt know how. I had sent in a complaint earlier didnt know how to respond with the information you needed because there was no return address. I have my account number and I have statements being mailed to my home I currently only have 1 statement as of right now. I dont want any money back I just my account to be back to {$0.00} and closed officially.
Product: Checking or savings account

Claim numbers XXXX also XXXX I did not authorize theses transactions I contact XXXX XXXX they told me XXXX XXXX made theses transactions I contacted wells fargo they told me the case is close I want theses two case to open back up I did not make none of theses transactions on both of theses claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection that does not belong to me. I have contacted Experian now 4 times about the fraudulent collection account and still have not heard back from anyone. I have provided Experian a copy of my recent police report and told them that the collection is not mine. I have also contacted XXXX XXXX the collection agency reporting the fraudulent information and neither of them have responded. I have provided both company information about the fraudulent item, as well as a police report and neither company has taken any action to block the fraudulent account from my credit file. 


The following collection is Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and I want it removed from my credit file, this is as a result of identity theft.
Product: Debt collection

I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Central Portfolio Control , Inc. My name is XXXX XXXX XXXX and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted Central Portfolio Control , Inc authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ).

2. Provide sufficient and documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX