23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX drafted up and sent a letter on XX/XX/2021 stating that the federal violations that Convergent Outsourcing has violated in regards to an alleged debt. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( XXXX ) Infringed Upon a Consumers Right to Privacy. 

Convergent Outsourcing did not have any permissible purpose as well as was provided written permission to do this, these are federal violations subject to a {$1000.00} fine in accordance with 15 USC 1681n - Civil liability for willful noncompliance. 

After sending the letter I have not heard from Convergent Outsourcing regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is my primary bank. It has been my primary bank since XXXX. I have one current loan for the amount of XXXX. 

However, Equifax is showing a loan for the amount of XXXX from XXXX. It is showing negative on my credit report. I have never had a loan with XXXX for this amount. I made contact with XXXX and they have sent to all credit bureaus this information is incorrect. However, XXXX is reporting this on a current credit report and on XXXX 

I would like for Equifax to verify all accounts with XXXX. I do not want them to use XXXX. This agency is reporting incorrect information on my credit report. They have information from XXXX which should not be reported at all.
Product: Checking or savings account

On XXXX/XXXX/2023 I received XXXX emails between XXXXXXXX XXXX ( PST ) anXXXX XXXX XXXX ( PST ) from an account claiming to be Bank of America. The emails asked me to verify my email, notified me that I had applied for, was approved for, and had opened a Bank of America XXXX XXXXXXXX XXXX  account, and finally notified me that I had changed my e-mail address. The emails were sent from XXXX XXXX XXXX. 

I called Bank of America to report the fraud but have been unsuccessful as I do not have the checking account number.
Product: Credit reporting or other personal consumer reports

It unexplainable because all this is over my head I dont know wats going on all i know is that this thats going on is not me or I just cant remember I need help
Product: Money transfer, virtual currency, or money service

This began in XX/XX/year>2023. When someone had fraud my Zelle account and took out {$380.00}. I contacted Zelle for fraudulent transactions that were made without my knowing. It took them a month for them to start a claim and open up a new banking account. But Ive never received a refund for the amount of money that I was taken out of my account by Zelle. They never explained by email or on the phone with customer service on why they never refunded me the money. Ive had plenty of issues with Zelle as being money transfers and verification.
Product: Debt collection

Capital one 's collection agency keeps calling me non stop. I lost my job and in the interim I thought my business would take off and it has n't yet. This has been going on for several years before my son passed away in 2013. They sent me emails pretending that they were the XXXX of VA and I have a warrant out for my arrest? Plus they had someone call my cell phone saying he was XXXX and he was coming within 24 to 48 hours to give me a summons? The bill is around XXXX dollars. I want this game over.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about as incorrect. The credit records I am complaining is not agreeable to me because as a matter of fact the items on the report are unknown to me and I want all of it to remove on my file because of its inaccurateness. Please remove the following items as they were fraudulent : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Earlier this year, Citibank, without any notice or explanation, closed my long-standing checking and savings account. Around the same time, Citibank also closed my mother 's checking and savings account. Two ( or so ) months later, Citibank also closed my Costco credit card, issued by Citibank. After they closed the checking and savings account, I called ( I learned only when one of my bills were not paid, and I incurred fees because of that ) Citibank wondering why my payment hadn't gone thru ( I had XXXX XXXX XXXX XXXX XXXX in the saving account ). I was told my accounts are closed. I asked for reasons, they gave me none, and told me to go to a Citibank branch. I went to the one in XXXX, VA, spoke with the manager, and she gave no reasons. Soon after, they sent me a letter informing what I already had experienced : that my accounts are closed, and again, the letter gave no reasons why the account were closed. 

Both my mom and I have had impeccable credit record. 

I thought this was just bad business decision by the bank and didn't believe there was anything I could have done to restore my accounts. But I saw recently that CFPB had settled a case with Citibank and penalized the bank for discriminating against XXXX  Americans. I am an XXXX-American, and so is my mom. Her account was opened in XXXX, CA area ( and if I recall correctly, so was mine ). Both our last names end in " XXXX. '' I believe my mom and I were discriminated against because of our ethnicity.
Product: Credit card

I used my card overseas, and purchased was denied first place and left the shop and then i see charges appeared into my statement, so requested fraud charges to the chase and they took care of it temporarily, and then rebill again for the same amount with out any valid proof and called them to send me proof i never signed and never received merchandise.
Product: Mortgage

US Bank has apparently implemented a type of late fee charge on mortgage payments. I just made my XXXX XXXX mortgage payment on XXXX XXXX and there was a {$5.00} fee added on that I had never seen before. I 've made mortgage payments after the XXXX before, and never made on late ( past the XXXX ) and this fee was never there. I sent them XXXX and they responded by saying that this has been in place since XXXX ( XXXX I assume ) if you pay your mortgage online after the XXXX of the month the {$5.00} fee gets added. 

This seems to me like it 's a " late fee '' being added on that was not part of the mortgage agreement I signed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a sears account in XXXX of XXXX, I paid and made all payments on time in XXXX of XXXX sears reported that I made a payment 30 days late AFTER the due date which is false, the months before I made 2 payments for a total of {$150.00} dollars in XXXX, an made another payment in XXXX for {$50.00}, after my efforts to try an dispute it from XXXX failed cause sears said that the information is accurate, my account which showed what was paid was disabled/removed and sears reason for deleting my account that PROVES I made the payment was that it was supposed to be deleted because we CLOSED YOUR ACCOUNT for inactivity, I still have the receipt that sears sent me before closing the account because i saved it, an I would like this to be resolved, since this is the only DEROGATORY mark on my credit
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiry Dispute Dear Sir/Madam, I recently reviewed my TransUnion credit report and noticed an unauthorized credit inquiry by XXXX XXXX XXXX XXXX XXXX XX/XX/year>. XXXX XXXX XXXX  XXXX XXXX I did not authorize this inquiry and am concerned about potential fraudulent activity. 

Please investigate this matter and remove the unauthorized inquirys from my credit report. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I reviewed my credit report months ago I saw this dept that I have no idea about from ccs collections
Product: Credit card

First, I have XXXX Citi Credit Cards. XXXX was under a debt management program for well over 2 years and was paid off in XXXX of 2016 so its listed as a closed account.One of my XXXX existing cards was set to expire XXXX/XXXX/16 and I received a notice in the mail on XXXX/XXXX/16 ( letter was dated XXXX/XXXX/2016 ) stating they are not going to issue me a new card being that I have an account in a debt management program. I understand they can close the account at anytime they feel, however I have 2 issues with regarding this. 1 ) The excuse that they are using ... If the issue was because of another account that I have with them in a debt management program, then why did they continue to let me use the card for well over 2 years before deciding to close it out. Plus, why did n't Citi inform me of possible consequences because I enrolled in a debt management program on another account. 2 ) I have earned XXXX reward points on my card and was using them only when there was something worth using them on. Based on their items and reward options the point value is XXXX = {$1.00} which means my reward point value is equal to {$6300.00}. Due to the fact they are closing my account out, they have informed me that I will lose my rewards points once the account is listed as closed. I have repeated my issue several times on the phone as well as thru the message portal with very little attempt to resolve the issue of the fact that I would be losing my reward points.
Product: Credit reporting, credit repair services, 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference 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: Consumer Loan

Capital One mailed me an acceleration letter stating that I fail to pay my note. I pay XXXX every month on the XXXX of every month because that is all I can afford to pay since my company check out checks. I called Capital One on XXXX XXXX explaining the situation and to see if I could get a lower note every month until I was able to pay the full XXXX a month. I explained that I was looking to either refinance my loan for a smaller amount or at least get a little time until my pay raise in XXXX 2016.
Product: Checking or savings account

I sold my house and the funds were wired to my account and the bank has put a 10 day hold on my money. Originally I was told that they would put a 2 day hold on it and when we went to get money out they put a hold on it and said we couldnt get our money until the XXXX. I have purchased another home and I need my funds. There is no reason foe this hold it wasnt a check it was a wire and they refuse to release this hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all XXXX credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. NONE OF THE BUREAUS IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. Only XXXX bureau is showing the ''Account status '' as open and the other 2are saying that this account is closed. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting or other personal consumer reports

I have been checking my credit bureau and there are inquiries that i have not authorized. Therefore, i am using my physical, mental and emotional faculties to make it clear that these hard inquiries do not belong to me, much less have i authorized them. The XXXX XXXX XXXXXXXX hard inquiries made on XXXX and the XXXX XXXX XXXX hard inquiry made on XXXX were made without my authorization, and kindly and cordially request that they be removed from my 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I filed an identity theft affidavit with a police report number around XX/XX/2023 to show i was a victim of identity theft the company did not take the proper steps by law to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some companies are reporting me as late even though I was never late! It's making my head hurt so please look at the attached documents.
Product: Mortgage

We went to closing today at XXXX for a house on XXXX, XXXX Delaware XXXX. We have been told several different loan amounts and closing cost. I did not receive my final closing papers until this morning at XXXX and I had to call my mortgage company to get the figures. I was NOT given 3 days prior to closing. My loan amount was approved for XXXX but when I got to the table the loan amount was XXXX. This made our closing cost XXXX. We were NOT expecting to pay this closing amount. We did not understand where Movement Mortgage got their numbers from. Our mortgage loan officer did NOT even show up for the closing and when we called him at the table even the lawyer from XXXX was confused at what our Loan Officer was saying. We closed anyway but we need help and answers. There 's much more to the story so it is easier if someone would call us. XXXX.
Product: Mortgage

Bayview, now CLS, responded to my complaint, stating : " Our records indicate that as of XX/XX/year>, when the Loan Adjustment Agreement was signed, XXXX XXXX had transferred her interest in the subject property to XXXX XXXX and had been released from any obligation and liability under the original mortgage loan. '' They further claimed that " no provision of Maryland law imposes such a requirement under these circumstances '' to sign a modification agreement. 

However, my name remained listed on the contractual mortgage note, and someone had signed " N/A '' on my designated signature line as a borrower, which your note requested. I am requesting proof under Maryland law that permits a mortgage modification note to be executed without the signature of individuals still named on the note as borrower ( s ) or those intended to be held liable for credit reporting purposes. Specifically, I seek evidence that Maryland or Federal law allows a blank signature line for individuals named in a contractual mortgage note, or permits the omission of their signature or the use of " N/A, '' on their designated signature line, while still holding them liable and reporting the note to their credit.

If you can not provide proof under Maryland or Federal law supporting the creation of a note with a named borrowers signature line left blank or marked " N/A, '' I request a formal letter explaining the legal basis under which you complied. Furthermore, if you are unable to demonstrate that you are within legal jurisdiction to leave a borrowers signature line blank or accept a contractually binding agreement with " N/A '' in the signature lineregardless of whether the individual is on the deed to the property or has relinquished ownership rightsI ask that you clarify why this error occurred and outline how you intend to rectify the situation with the current servicer.
Product: Bank account or service

I signed up for a Small Business Checking account with U.S. Bank on or about XX/XX/XXXX with a E-Deposit limit {$10000.00} for daily deposits. On XX/XX/XXXX I attempted to make a deposit of {$2500.00} and the deposit was declined. I was told my limit was lowered to {$2500.00} XXXX without notice ) and now I am unable to deposit my check. I contacted customer service and spoke to XXXX tier customer support and was told " nothing could be done '' and that " it will not change ''. I have never have had a returned check, a bounced check or any negative account interaction. I maintain XXXX times the required minimum balance for the account. Calls to a regional manager XXXX XXXX XXXX XXXX XXXX at XXXX are not returned. The nearest branch and/or atm is over XXXX miles away from our location to deposit our checks.
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 XXXXXXXX XXXX XXXX # XXXX XXXX XXXX Has violated my rights.

15.u.s.c. 1681 section 602 a. States I have the right to privacy.

15.u.s.c. 1681 section 604 a.section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate and outdated information on my credit report, despite my repeated attempts to rectify the situation. I have sent four separate letters to all three major credit bureaus- XXXX, Equifax, and XXXX - requesting the update of my personal information, including my address, phone number, and employment details. Additionally, I have explicitly instructed them to remove any old and fraudulent information that is currently being reported on my credit report. 

It is disheartening to see that my efforts to correct these discrepancies have been unsuccessful thus far. I firmly believe that having multiple addresses, phone numbers, and places of employment listed on my credit report creates a distorted image of my financial stability and creditworthiness [ 1 ]. This inaccurate representation can have serious consequences when applying for loans or seeking financial opportunities. 

I have taken the necessary precautions to verify my identity by including copies of my driver 's license, social security card, utility bill, and a notarized letter. These documents serve as undeniable proof of my identity and should have been sufficient for the credit bureaus to validate and update my personal information accordingly. 

Furthermore, the presence of outdated and fraudulent information on my credit report not only undermines my financial standing but also raises concerns about potential identity theft or fraudulent activities [ 4 ]. I have diligently followed the recommended steps of disputing these erroneous entries, yet my requests for their removal have been overlooked or ignored. 

I am reaching out to the CFPB in hopes of resolving this matter promptly and effectively. It is crucial that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of credit reports. I kindly request your intervention to investigate this issue thoroughly and ensure that the credit bureaus take the necessary steps to update my credit report with accurate and up-to-date information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX ( Original Creditor : 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 an account without my written instructions.
Product: Checking or savings account

in the first week of XXXX of 2023 i requested a new bebit card. by XX/XX/XXXX no card had arrived. i called and requested another on XX/XX/XXXX and today, XX/XX/XXXX, still no card has arrived. this account has around {$600.00} in it that i need.
Product: Debt collection

Focus Financial refuses to respond to any mail I mailed them a certified letter and still no response. This company once again never notified of the debt in which that would have given me time to dispute the debt and it would have never made it to my credit report.
Product: Credit card or prepaid card

THIS COMPLAINT IS NOT CLOSED! CALL ME NOW! Per your document it shows the credit was REMOVED ON XX/XX/XXXX! 

Whoever responded is obviously an XXXX. 

The credit has been taken off my account and I will not settle this dispute until its fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose