23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 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 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

Capital One was contacted by me the cardholder upon being advised that my XXXX XXXX  plus account in excellent standing was being closed by Capital One because I had a inquiry that was being handled by an overseas representative that kept reading a script, telling me " For XXXX XXXX, I can help you, but was not helping me at at, and I requested a XXXX based representative to assist me. My account was always on auto-pay, for some reason auto pay was removed, ad the payment cycle was during the Hurricane XXXX, which XXXX South Carolina and XXXX was without power for 5 days, Upon receiving power, checking my checking account, I noticed that my payment to Capital One was not deducted from my checking account, I immediately called Capital One and made as I always have the statement payment, however, they decided to charge me a late payment and interest, which I understood and accepted, but requested the late payment be reversed due to the hurricane situation, they declined and instead closed my account, and I still tried to pay the balance in full, yet, they wanted to continue to charge me late fees and interest, AFTER THEY CLOSED THE ACCFOUNT, WHICH IS UNACCEPTABLE. I have written without any reply from Capital One to both XXXX and XXXX XXXX XXXX Address, they have not replied, I have called over XXXX time to pay the bill in full, but not the junk fee 's and interest they are trying to impose AFTER they closed the account. I have been told by their representatives that they " Do not make any money off of me '' because I pay my bill in full every month! I have included this in every communication with Capital One and they refuse to assist me or acknowledge that statement from the Philippine representative, they have tarnished my XXXX XXXX XXXX, I have never been 30 days, and I am XXXX XXXX XXXX and a retired police officer, what judge is going to side with their actions of arbitrarily closing an account, but yet still charge interest on the account, this is a scam, and just like Capital Ones latest fraudulent activities, this should be added to that list and investigated. That is why I seek your assistance, I am willing and able, as from day one to pay the account in full, but I am not paying any accessed interest and/or late junk fees that Capital One is attempting to extort from me by XXXX  XXXX  and ignornacve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account information appeared on my XXXX account> I am unaware of this account and who it belongs to. 

Date Reported : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX , XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$6500.00} Amount {$6500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX
Product: Debt collection

XXXX : XXXX IS A SCAM I received a very good scam letter in the mail proclaiming that i owe XXXX from a paypal debt issued but when i call XXXX they inform me that this is in fact a Scam I was able to dig up some info regarding this scam and I stumbled into something i want to pass along The link above TRICKED ME into giving my last 4 of SSN. 

my reference ID the scammers assigned me is XXXX to a XXXX XXXX account # XXXX that they want me to pay The address on my Fake debt Letter is AMERICAN CORADIUS INTERNATIONAL LLC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX phone number on my fake debt letter to contact is XXXX This is where they want me to send the money I dont owe The rabbit hole goes deeper. 

The return address on the fake debt is XXXX XXXX XXXX XXXX Tx XXXX which belongs to a home owner fronting it as a commecial printing company called XXXX XXXX I managed to find phone number connected to this scammers home address XXXX And XXXX they print professional documents from home which explains how they were able to send out this believable fake scam letter that looks like a blank check. I dont know if the CEO of XXXX XXXX who is based out of New york is a part of this but here is his email ( XXXX XXXX ) XXXX Perhaps he can be helped to discover that if its not him doing this then its one of his 29 employees using his commercial printing business to also create fake debts and send them out to people under a company that is actually legit but has nothing to do with this. 

I am Training to become a XXXX  XXXX. Imagine the information I could retrieve and continue to dig and discover. I mainly just want this operation to Cease trying to scam myself and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information po report sent with ftc violation on the report the crepdit report is all wrong cfpb violation
Product: Mortgage

I called Loan Depot on XX/XX/XXXX to refinance my mortgage. I spoke to XXXX XXXX @ XXXX XXXX XXXX XXXX. He ran my credit report on XX/XX/XXXX and it was XXXX. I provided him with necessary documents in order to proceed with the loan. I also mentioned to him that I have solar panels and he said it would not be a problem. 

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX ( Production Analyst- Loan Depot ) informing me that my loan has been conditionally approved. 

On XX/XX/XXXX, I received a voicemail and a message from XXXX XXXX informing me that there is a solar lien that is tied up to the property so they can't process the refinance. She sent the file back to the loan officer XXXX XXXX. I have been trying to contact XXXX but he was not returning my calls or answering my emails and text messages. 

On XX/XX/XXXX, I called Loan Depot. Their representative was able to find XXXX XXXX ( XXXX ) who is a Production Manager and supervisor of XXXX XXXX. She sent an email to XXXX XXXX regarding my request for update on the refinance and other concerns. 

On XX/XX/XXXX, XXXX XXXX called me saying that they were unable to roll in the cost of solar panel loan into the refinancing. He added that they were unable to continue with the refinance loan as written. 

On XX/XX/XXXX, I texted XXXX XXXX to remove the hard inquiries from my credit score since they're not going to proceed with the loan.They have not done anything. He refused to remove the hard inquiries on my credit score and all he did was argue with me thru texts. 

I called XXXX on XX/XX/XXXX inquiring about their lien on my property. The representative said it is under UCC1 - Uniform Commercial Code 1 financing statement. He said the lien can be temporary lifted, just send authorization letter. Loan Depot could have just called XXXX to temporary lift the lien. But they have not done anything. I have to research this myself. I haven't heard from XXXX XXXX since XX/XX/XXXX. They don't follow up and were not competent. 

All I am requesting is for them to " remove the hard inquiries on my credit report ''. It dented my credit score. I do not know if I can refinance anymore or have a better chance of refinancing.
Product: Money transfer, virtual currency, or money service

I created a chime account and deposited XXXX dollars into the account from my XXXX XXXX account not even 2 hours later I was signed out and could not log back in because my account was locked for security reasons I went through the email game that they okay sending in all documentation to verify my account but all they would respond with is that the documents cant be verified. After my 4th attempt they sent me an email saying they decided to end my supper key and I havent gotten any emails since and its been two weeks. I feel scammed and I just want my money back I dont even want the account anymore
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I can not fathom how my pleas for help have been met with indifference and stony silence. The anguish and turmoil I have endured due to identity theft is overwhelming, and your bureau 's unconscionable neglect has exacerbated my suffering. These are the accounts that I'm disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Some one at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Opened a Kohls credit card in my name and ordered over XXXX dollars of shoes and XXXX dollars in socks over two days. I have never lived in XXXX OH and I have never had a Kohls credit card. I am currently working with the XXXX in XXXX. I called Kohls and they just told me that they will send my a letter in the Mail. At first they would not take my overseas XXXX, XXXX  address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about 14 hard inquiries on my consumer credit report that i see just from experian itself! i did not authorize any of these with my consent or permission. all three credit reporting agency has caused me damages in my financial situation due to not getting approved of my consumer credit. Experian 14 inquiries ... with no open accounts tied to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received letters stating that they have ceased investigation of my credit reports because, in their opinion, they believe that I have used a third party credit repair agency which I have not but there is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. Ive disputed this US BKPT CT IL XXXX Reference number XXXX with the credit bureaus XXXX, XXXX, and TransUnion -Which two of them ( TRANSUNION AND XXXX XXXX confirmed the public record was verified by the court. I asked Transunion and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Reference number 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
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. I never opened a credit card account. I have no credit cards to this day. I have filed Identify theft Reference # XXXX I also called the company today and they said it looks like my dispute was denied because their isnt evidence all i have is that its not mine. I dont even know the full account number only what i see on my experian credit report.
Product: Mortgage

I have been through the HAMP process and have signed and followed up on several Dodd-Frank documents suggesting that my prompt payment incentive is on its way. It has been 10 months since the completion of the 6-year program. However, when I reach out to my mortgage company about facilitating the incentive my request is dismissed until my mortgage lender receives payment from the government. There is no advice on how to resolve this. I have held up my end of the agreement, but it appears that there is not a way to access my incentive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting my personal information to Transunion without my written permission violating my consumer rights as it states in US Code 1681 of the fair credit reporting act. 
In addition, XXXX XXXX XXXX continues to refuse to honor my request to freeze and delete my file. I have reached out to them on multiple occasions on XXXX XXXX XXXX XXXX through certified mail asking XXXX to freeze and delete my file sending me confirmation. All I got back was if I want to freeze and delete my file I need to contact Transunion. 
I do not want to freeze my account with Transunion. I want to FREEZE and DELETE my file with XXXX XXXX XXXX. 
To make matters worse I contacted Transunion and they do not seem like they care at all. I have gone over my communication with XXXX and their letters back and Transunion seems like they just want to make money off reporting my file whether it is lawful or not. 
They are not willing to contact XXXX and request that they freeze my account. All both parties want to do is continue to make money off my PRIVATE AND PERSONAL INFORMATION whether they brake the law or not!
Product: Checking or savings account

I opened a checking account and a credit card with Bank of America in XXXX. Around in XXXX XXXX there was some random XXXX cards showed up in my mobile banking which has out standing balance of {$1100.00} and XXXX more with {$800.00} as discrepancy. I called Bank of America customer care raised complaints, raised complaints to fraud department for XXXX years, still I see those XXXX accounts attached to my account and now I was told that I am responsible for those account after XXXX years of continuous complaints which they promised to take care of. 
These accounts were fetched in my background check for my job and raised as concern to offer me job at a esteemed financial sector company. I have all the emails regarding the discrepancy. 
Now I'm not even able to access my accounts online I will get " sorry there is a problem accessing your account '' when I call the bank and they reset my ID and password it work for couple weeks and again I loose my online access. I had to reset my account XXXX 's of times and still the problem is not fixed. 
This is being a problem since XXXX which is never resolved.
Product: Mortgage

The lender has failed to provide the required notice of additional required documents wi thin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$4400.00}, {$9000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on Sep 01, 2019 and the subsequent response received on Sep 30, 2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 







3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Product: Student loan

In XXXX when I XXXX  my monthly payment for my federal student loan was more than I could afford. I contacted Sallie Mae and their 2 suggestions were deferred payments or consolidation of my loans. I chose consolidation but was never told they would go from federal to private. 

I was paying faithfully each month until late XXXX when I had to stop. In XXXX of XXXX my husband worked out a payment plan with XXXX, employee with Navient who said we could get a payoff amount once the loan was current. My husband contacted Navient to get the payoff amount. Navient staff said they never did that and wouldnt do it. My husband filed a claim with the XXXX XXXX XXXX and was basically told you have to pay the loan. 

I am a XXXX XXXX and will be paying this loan until I am XXXX. There are many days I XXXX  myself for going back to school and incurring this huge debt that wont go away. 

Thank you for reading this and thank you for getting Navient to realize they have made way too mistakes handling peoples finances XXXX XXXX
Product: Checking or savings account

My father died 2 years ago and I am the executor of his estate.Part of his estate is a certificate of deposit of which myself and my sister are equal beneficiaries.XXXX XXXX died in XXXX of XXXX certificate of deposit is with BMO Harris Bank.In XXXX I was instructed by XXXX  bank to send them a Death Certificate, a notarized letter instructing them what I wanted done with my share of the account. For XXXX year no action was taken on the account. I faxed the bank to check the status of my claim and was told to resubmit the information again.waited again for a response and did not receive one.When I contacted the bank again I was told someone would contact me, but no one did. I contacted the bank again in XXXX and was again told to submit another Death Certificate, notarized letter and picture identification.I did this again and still have gotten no response from them. I have been trying to resolve this problem for two years.I was also asked by XXXX Bank to submit a Small Estate Affidavit which I did at a cost to me of XXXX dollars.
Product: Vehicle loan or lease

Subject : Complaint Against Wells Fargo Auto for ECOA & Regulation B Violations Dear Consumer Financial Protection Bureau, I am filing this complaint against Wells Fargo Auto for willful noncompliance with the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, and its implementing regulation, Regulation B ( 12 C.F.R. 1002 ). 

On XX/XX/year>, I submitted a credit application through XXXX XXXX, which was subsequently forwarded to Wells Fargo Auto for an extension of credit. Despite allowing Wells Fargo ample time to rectify their noncompliance, the issue remains unresolved. 

I previously informed a Wells Fargo representative, XXXX XXXX, of these violations, yet the institution continues to disregard its legal obligations. Specifically, Wells Fargo Auto has failed to provide a proper adverse action notice as required under 12 C.F.R. 1002.9 ( a ) ( 2 ). The notice I received did not provide a specific principal reason for the adverse action taken on my credit request. Instead, I was merely given general key factors affecting my credit score, which does not satisfy the requirements of Regulation B. 

This noncompliance is a direct violation of federal law and raises concerns about whether other consumers are also experiencing similar unfair treatment. Wells Fargo Autos refusal to adhere to these regulatory requirements is unacceptable. 

Before pursuing legal action in federal court, I am allowing Wells Fargo Auto one final opportunity to comply with its legal obligations. As the Consumer Financial Protection Bureau ( CFPB ) is responsible for enforcing the Equal Credit Opportunity Act, I expect immediate corrective action. 

I demand a proper and legally compliant adverse action notice that explicitly states the principal reason for the denial. If there is no lawful basis for the denial, Wells Fargo Auto must extend credit on the originally requested terms. 

This matter is urgent, as Wells Fargo Auto is already in violation of the 30-day deadline to provide a proper notification. If Wells Fargo fails to resolve this matter within 15 business days of receiving this complaint, I will proceed with filing a federal claim. 

I look forward to your prompt response. 

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

XXXX has again continued to refuse to remove MISSING public consumer credit information in violation of the new rules imposed as of XX/XX/XXXX : " The big three credit bureaus XXXX, XXXX and XXXX will no longer report a tax lien or civil judgment on a consumer 's credit report unless it includes the person 's name, address and either Social Security number or date of birth. Existing liens and  data missing this information will be expunged. '' I have provided irrefutable proof that the information found on my consumer credit report is inaccurate because it is in fact missing the required data. XXXX also refuses to provide me a copy of the original legal document supposedly issued to me containing my name, SOCIAL SECURITY NUMBER, birth date and/or address. Therefore, these state tax liens must be removed as they are invalid and inaccurate. 
I am not the only person with the name listed on these documents. XXXX is using a third party source ( LEXISNEXIS ) to verify this information. 
Here is the response received from them ; " XXXX has reviewed the complaint and its records. Please be advised the creditor verified the Tax Lien case numbers XXXX and XXXX correct as reported. '' This is a complete lie. The state of North Carolina and the XXXX county Clerk of Court does not provide tax information to credit bureaus ( I sent them a letter from the NC Dept. of Revenue stating such ). The 3rd party source 'verified ' this information inaccurately and illegally yet XXXX is regurgitating the information as a fact in direct, blatant violation of the newly imposed rules.