23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo bank claim # XXXX. XX/XX/22 {$27000.00}. XX/XX/22 {$50000.00}. XX/XX/22 {$10000.00}. Debit. Company name XXXX XXXX From XXXX XXXX XXXX XXXX. I am a victim from XXXX. i submitted my complain to FTC # XXXX. I submitted to Police report # XXXX. I submitted also to XXXX ( no report # ). I submitted to Attorney General ( no report # ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Genesis credit management is reporting that I owe XXXX $ which is incorrect I have requested XXXX verify this correct and remove it if it cant be verified please this is the fcra. Thanks in advance I also turned in a ftc report for the inquiries in my report
Product: Debt collection

FOX COllections keeps trying to collect on a debt for XXXX Hospital and has reported it on my XXXX credit report repeatedly. I am XXXX Army and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities XX/XX/XXXX, XXXX Hospital 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX Fox reopened the same collection on all XXXX of my credit reports under a XXXX date. I disputed them again and all but XXXX has removed them from my report. I am XXXX army and have been covered by XXXX since XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house.
Product: Bank account or service

Sent an electronic message to Ally customer service via their website asking " I can transfer funds with next day delivery using your website from my XXXX account, but if I schedule recurring transfers there is a several-day delay. Why is this the case? Can you fix it? '' I received what I feel was a complete non-answer, what appeared to be boilerplate text describing their manual funds transfer policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX  XXXX XXXX A Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX has an open date of XX/XX/2019, and Equifax XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit card

My name is XXXX, XXXX in representation for XXXX XXXX and Ive been in an attempt to extend credit to American Express Bank XXXX XXXX XXXX XX/XX/2023 and then again on XX/XX/2023 for XXXX credit card accounts. The bank address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. Ive contacted the Chief Financial Officer of American Express XXXX XXXX XXXX via certified mail XXXX times ( XXXX ) explaining that according to the Federal Reserve Act Section 16. Note Issues, # 2 Application for note by Federal Reserve banks. My application I gave the bank with my social security number turned that application into a security collateral and Im owed equity and I can not be denied my extension of my own credit. I sent instructions to the CFO to transfer the credits of the principal balance to the principals account and to open the account. I have not heard any response from the CFO to settle the matter in good faith. Pursuant to Federal Reserve Act Section 29 Civil Money Penalty ( e ) Assessment ; any penalty imposed under subsection ( a ), ( b ), or ( c ) shall be assessed and collected in the case of a national bank, by the Comptroller of the Currency. I have all of my evidence in the attachments below for verification of facts.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX  - Opened XXXX XXXX XXXX with a balance of {$920.00} XXXX XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX with a balance of {$0.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violation! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law XXXX and XXXX are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Citizens One Bank is not helping there customers who are furloughed due to vivid 19. There forbearance program defers 3 payments and at the time of your 4th payment you must pay the entire sum back. They are not offering a deference to The back of your loan like many other reputable banks. The whole point of the care act is to help consumers, this is not help in fact it will set up foreclosure for many.
Product: Mortgage

I am writing to you today so that I may receive some assistance regarding my mortgage with Mr. Cooper, previously known as Nationstar. I have two ( 2 ) complaints that I would like to seek some resolution with or at have least addressed.

( 1 ) In XXXX, I took part in the HAMP program. At this time, I had been divorced from my husband since XXXX, as part of our divorce decree I was mandated to seek financing that would remove him from the mortgage. I explained this to my Nationstar mortgage consultant who helped me obtain my HAMP. It was expressed to me that this could be accomplished, but that I would have to provide ; copies of the divorce papers, and that we would only use my income for this to happen. I also believe that my ex-husband had to sign a notarized statement stating that he no longer was responsible or had an interest in the said property. All of this was complied with. So, I was very shocked to find out last year that he was still listed as a co-borrower on my mortgage, and he was even more distressed than I. I dont understand how this can go both ways. Either he should have had to sign and show proof of his income also in order to be part of the program or he should have been removed. I dont believe you are legally able to modify a loan agreement and exclude a party. I would like his name removed as co-borrower. 
( 2 ) HAMP, pay-for-success incentive program. I did receive a letter from Nationstar regarding the requirements for this program I had complied with all of the components of the program to receive the incentive. Basically, you need to be in good standing, not paid off the loan. However, there is also a document that need to be signed a form XXXX. Nationstar provided me with this form in XX/XX/XXXX. As the time approached to submit the form in a timely manner I was in daily contact with Mr. Cooper, because my ex-husband really wanted me to get his name off my loan ( as referenced above ). I brought this letter to my Mr. Cooper representative a. Because the deadline was approaching to submit the form, and b. Because I told him I would like to postpone the refinancing process, in order to collect the incentive. XXXX XXXX told me that I had already received any incentive that I had coming to me and that I should not submit the form. I am not saying that he was trying to deliberately misinform me but by relaying improper. information to me he in fact did. I know that Mr. Cooper records conversations so I would believe that they have this conversation saved. I would like to show by providing the amount of emails sent to me from Mr. Cooper and/or representatives of Mr. Cooper from late XXXX until XX/XX/XXXX, with no mention of this form XXXX or additional incentives available to me that they did not provide timely information regarding this program. 


Thank you
Product: Credit card or prepaid card

I received an email from Alliant today advising me Alliant reversed XXXX XXXX values back to their previous level for Alliant XXXX XXXX XXXX points. It states " Additionally, we are issuing a points credit to your account so you will experience no point-value loss overall '' I called in XXXX to downgrade my Alliant XXXX XXXX to XXXX  as a result of Aliant 's decision to devalue points. I explained to the XXXX this was the sole reason for my downgrade. 

How will I be credited back for the points now that my card is downgraded to XXXX. 

I have already contacted the company and to date my only answer from them is " we need more time. ''
Product: Money transfer, virtual currency, or money service

I am a student in XXXX XXXX, from XXXX. I was contacted by friend XXXX XXXX XXXX on XXXX of XX/XX/2022, that he has a potential client in the XXXX who can only send you money via the Cashiers Check and not wire him directly. As i live in the XXXX, i offered to cash the check on his behalf and send him the money. 

A few days later, the client of my friend who went by the name, XXXX XXXX, contacted me saying that i will be receiving the check via mail in a few days. 

When i received the check, it was more than the amount that my friend had decided. The scammer, XXXX XXXX, told me that the extra amount needs to be paid to his supervisor so he can release the drawings for his house which he had been mentioning before. The decided fees with my friend was XXXX, but XXXX additional was sent. 
Then an accounting officer contacted me who said how to deposit the check in the XXXX XXXX, but the XXXX XXXX  didnt allow to deposit the check. 

Then i was sent another check, which was of an even bigger amount, which was XXXX and i was asked to transfer XXXX to different accounts, leaving me with XXXX USD which was supposed to be a part of my friends working fees. 

Just when i transferred the amounts, something clicked with my friend and he said its a scam. But it was too late, the funds were available and the funds were transferred. 

We tried contacting the PNC bank immediately when the funds were transferred, so we can do something about it. PNC bank assured us that the checks were cleared and there was nothing to worry about. 
The checks were deposited in person, and the checks were still not caught by the cashier if they were fake or not. They were still cashed, the funds were made available and then i am being held liable for so much money because banks have a stupid law to make the funds available. 

The securities officer from PNC told that they wouldnt help us in anyway and we are liable to pay the amount to PNC which is in their policy but theres no mentions of scams like this, or even when the accounts are opened. The bank operator called the checks were clear and that there was nothing to worry about. How are banks not ready for this. 

on top of that PNC would deny to help us or even listen to us.
Product: Credit reporting or other personal consumer reports

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

Account Name : US BKPT CT GA XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX states as per earlier letter sent to me regarding a medical debt with XXXX XXXX XXXX XXXX XXXX account number XXXX First I will start off by saying I never received a initial letter or a first letter regarding this debt. Second at no point did I ever receive treatment at XXXX XXXX XXXXXXXX XXXX for anything This is a complete faberation
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a product on my credit card ending in XXXX. Chase Slate Visa. {$72.00} Company name/info : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX NV, XXXX, XXXX & XXXX, Product has never been received. Tracking number company provided per XXXX is NOT a valid number. Company not able to provide docs to prove item was ever shipped/received. 
I have been attempting since XX/XX/2020 to receive a credit on my credit card from Chase, but to date Chase is refusing to issue a credit. 

I should not be required to pay for any item not received. This is clearly FRAUD. 
PDF attached.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of certain information contained in my consumer report. I have identified an account that appears to be inaccurately reported. This inaccuracy is of great concern to me, and I request a thorough investigation into this matter. 

Account Information : Creditor Name : XXXX FIN Account Number : XXXX Please verify all aspects of this account and its reporting history. I am requesting that any information found to be inaccurate or unverifiable be corrected or removed from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), please complete the investigation within the required time frame and provide me with the results in writing. Additionally, please send me an updated copy of my credit report reflecting any changes made. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

COMMONWEALTH FINANCIAL SYSTEMS {$620.00} XX/XX/2018 I tried to dispute it with XXXX because it just was posted on my credit report. I tried calling the company and they were very rude and non responsive and threaten me they were going to sue me if I didn't pay the amount above or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018, EQUIFAX ALLOWED THEM TO PLACE DUPLICATED COOLECTION ACCOUNTS ON MY EQUIFAX CREDIT REPORTS. THE LISTING WAS IN THE NAME OF XXXX XXXX, WHEN IN FACT WAS XXXX XXXX. SEE ATTACHED. ALL PARTIES VIOLATORS OF THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FOR ILLICIT COLLECTIONS
Product: Mortgage

Shellpoint stated in a XX/XX/XXXX, letter, " PMI disbursements were updated from borrower paid to lender paid, '' once the mortgage service provider " determined that PMI payments were not meant to be disbursed from Borrower 's escrow account, in XX/XX/XXXX. 

However, Shellpoint did not return Borrower 's misused funds until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.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 reporting or other personal consumer reports

Dispute of Late Payment on Credit Report Dear XXXX I am writing to dispute a late payment reported on my credit report. I believe this late payment reporting is inaccurate and requests a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I am entitled to dispute any incomplete or inaccurate information in my credit report and request that it be corrected or removed if it can not be verified. 

The specifics of my dispute are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX  I believe this late payment is a mistake due to [ explain your reason - e.g., payment was made on time, there was an error in the creditor 's system. 

These lenders have accessed your credit file without my permission and I request they be deleted. 

XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  In accordance with the FCRA, I kindly request that you investigate this matter with the creditor and provide me with the following : Verification of the late payment, including the date and amount. 
A description of the procedure used to determine the accuracy and completeness of the information. 
If the information is found to be inaccurate, I request that it be removed or corrected immediately. 
I understand that under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. I expect to receive a response from your office regarding this matter as soon as possible. 

Thank you for your attention to this matter. Please send me a written confirmation of the receipt of this letter and the results of your investigation. 

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

XXXX XXXX XXXX Inquiry date: XX/XX/XXXXnon existing account. 

RESOLVE PARTNERS LLC
Inquiry date: XX/XX/XXXXnon existing account