23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our original mortgage company was XXXX XXXX XXXX  XXXX. Which has apparently been transferred to Citizens One Home Loans on XX/XX/2019. When we took out the mortgage with XXXX, they appraised our property for a certain amount. We wanted to refinance and sent our information to Citizens One Home Loans, the loan officer gave us positive feedback and requested another appraisal, which we had to pay for. When the appraiser came to the property I showed him the XXXX appraisal and he set about his business. 
When our loan request was denied we found out that this appraiser only appraised part of the property. Of course resulting in the denial. 
So I contacted him personally and he told me that Citizens One had told him to only appraise part of the property. 
That being said, I feel we were unfairly represented in our request and duped into Paying for an unjust appraisal. 
We are now unable to talk to the loan officer ( no return calls ) therefore unable to resolve this highly unfair and frustrating matter. XX/XX/2019 2019
Product: Credit card

Hi. My spouse and I expected to receive our new credit cards by XXXX of XX/XX/year>. The cards did not come. Instead, we started to see unrecognized transactions on our credit accounts on XXXX of XXXX. We think our cards were stolen during the delivery and were used by someone without authorization. We have already reported the issue to the Chase bank and USPS. Based on the information provided by the bank, they will research our claim.
Product: Debt collection

I am a federal protected consumer. CarMax, is attempting to collect alleged debt and I have responded to the with my Affidavit of Truth. Since it's been 30 days have gone by with no response from CarMax. Please see attached
Product: Debt collection

My husband had a XXXX in XX/XX/2014 and there were some problems with the insurance card in file was the same insurance company but not longer the current insurance. 
I had several calls to the medical billing department about my insurance did not received these medical claims for this XXXX this was going on for several months. Then went I received the bill from them it was incorrect amount cover by they insurance they went back and for and to be honest a forgot about this bill. Time past then I received a collection notice from XXXX XXXX XXXX XXXX I talked to them about the amount see to height after insurance paintments. It was other medical bill that I just payed with the same collection and I was waiting for them to clear my credit before paid this bill. Time past by and they stop to contact me until I checked my XXXX XXXX   and I found a balance of {$1500.00} plus I did not understand. XXXX  told me I owned this medical bill for my husband I want to pay it but they want me to contact the XXXX. I called them and they are charging interest on my account when they had stop their collection letter only after I call them they send me one. They are not willing to work with me and want to keep change interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened  XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX IT IS REPORTING AS XXXX XXXX ON TRANS UNION ONE OF MY PREVIOUS ADDRESS WAS XXXXXXXX XXXX   XXXXXXXX XXXX XXXX, NC XXXX IT IS REPORTING AS XXXXXXXX XXXX XXXX., XXXX XXXX, NC XXXX ON TRANS UNION MY CURRENT CELL PHONE NUMBER IS XXXX I DO NOT RECOGNIZE THESE TELEPHONE NUMBERS REPORTED BY TRANS UNION XXXX XXXX XXXX XXXX XXXX THE FOLLOWING PAST TELEPHONE NUMBERS ARE CORRECT AND THEY ARE AS FOLLOWS : XXXX - PREVIOUS HOUSE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX - CURRENT EMPLOYER TELEPHONE NUMBER XXXX - PREVIOUS HOUSE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX MY MOTHER 'S PHONE NUMBER REPORTED BY TRANS UNION THANK YOU
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris inc XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Foris INC XXXX i used my debit card to transfer this fund to Foris INC. and Foris INC XXXX exchange XXXX XXXX to coinage platform. 

XXXX platform is scammer. i reported coinage and the trader to XXXX. Foris INC dealing with scammer. 

i do not know it was a scam until i can not collect my money back.
Product: Credit card or prepaid card

On XX/XX/2021, I made a payment for {$300.00} to my American Express credit card using XXXX XXXX XXXX. 
American Express is stating that they have not receive the payment, however, XXXX XXXX XXXX sent documents that the payment went through and they've debited my checking account of {$300.00}. 

We're XX/XX/2021 and American Express have not credited {$300.00} and XXXX XXXX XXXX debited my account {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX  card, bank of america XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Debt collection

The account in question was opened XX/XX/XXXX. Ever since I discovered it, I've been trying to correct the error. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX everytime I dispute the validity of the account, asking for the legal documents that verify that I'm responsible for this account, all I get in return is " BMW certified the account as accurate without any evidence without any evidence of the certification. As a result the erroneous report still remains. 

I've been turned down for home loans, business loans as a result of this negative and inaccurate report from BMW Financial Services. XXXX is the account number on file XXXX. 

I'm yet to receive any physical communication with evidence that I own the account. This account has gone through collection phase, charged off phase in XXXX reported paid as agreed In XXXX XXXX XXXX and now in charge off phase again. These irregularities and re-ageing has cost me a whole lot. Not only will they not provide me with the proof I asked but still report the account as accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRIES AND I DO NOT KNOW HOW AND WHEN SUCH ACCOUNTS WAS PLACED ON MY CREDIT. BECAUSE OF THESE NEGATIVE ACCOUNTS MY CREDIT IS IN A VERY HORRIBLE STATE. IT HAS ALSO BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX  XXXX XXXX. The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file.

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

This loan was from a convenience check mailed in my Name, however my XXXX opened the letter, signed my name, including my social security number included his contact information deposited the check online without my knowledge and did not not repay amount. Because he forged my signature and took out this loan in my name and used the funds, As per our divorce decree He is responsible for debt as it was his. 
If needed I am able to provide copy of divorce decree and check signed by him.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressing my concerns regrading Zelles handling of disputes, in light of cfpb lawsuit that highlights significant issues with its platform, Ive reported several discrepancies that Zelle failed to investigate my claims properly. They acted as if recovering lost funds were impossible to track and were infeasible, cfpb have found that Zelle has not protected consumers and have allowed repeat offenders to exploit their system leaving myself and others vulnerable for scams
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF IDENTITY THEFT, I SUBMITTED PROOF FROM ITR
Product: Checking or savings account

I opened an account with citizens bank and had transferred money to fund the new account ( {$500.00} ). They closed my account the following day saying I didnt qualify etc ; the {$500.00} transactions had posted on my original online bank account statement. I called citizens to see where my money and what they did with it. The following day they told me that had no information on that even after I provided them with transaction IDs and an email stating they accepted the funds ( they had emailed me the day I opened and funded the new account ). They said that it was cancelled but they couldnt see anything else since the account was closed. I notified my bank and they told me to contact them.
Product: Checking or savings account

I signed up to a M & T bank account based on a promotion that guaranteed {$200.00} if you set up a qualifying direct deposit of {$200.00} and more. The code to the promotion was given me at XXXX CT. I had qualifying direct deposit for more than {$200.00} and still after more than 3 months, the bonus has n't been applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX a XXXX XXXX employee signed me up for a credit card only to find out that the product I wanted was NOT available. So because of this I closed the account with them because I did not authorize a hard pull due to the fact that the item that I wanted was not available. This is XXXX XXXX because when I went to go get a XXXX Credit Card last week they did a hard pull and told me that I was denied because of XXXX XXXX/XXXX XXXX mistake. My credit score is XXXX so I really don't see the problem besides it being that. I need to get XXXX XXXX off of my credit report immediately so I can be reconsidered for the XXXX store Credit card.
Product: Student loan

FEDLOAN SERVICING is confirming that payment history listed on 4 accounts on my credit reports is correct. Each credit bureau stated that that payment history was sent to them and you are reporting it correctly from XXXX to XXXX It is showing on my credit reports every month that it is outstanding for 120 days each month during that time people. You can not have consecutive months outstanding by same number of days. This is non factual reporting on my credit reports and I like it updated or tradelines removed from reports. Please provide me the documentation that you send to the credit bureaus for my records so that I can see what is being sent to them.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. 
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. 
Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. 
The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. 
Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the XXXX XXXX to the United States XXXX. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the XXXX XXXX to the United States XXXX. 
XXXX of XXXX and XXXX of Rights The actions of your organization and its agents have been carried out under the XXXX of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of XXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/2023. An unknown employee of JPMorgan Chase & Co has been reporting negative information onto my consumer report. The negative report says " Charge Off '' and also says " JPMCB CARD has flagged your account as charge-off ''. Please be advised. I am aware This is EXTORION. These actions has negatively affected my credit reputation with other financial institutions. Making almost impossible to live day by day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXX - XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally notify you of my intent to rescind the auto loan/retail installment loan agreement dated XX/XX/XXXX, which was executed between XXXX XXXX XXXXXXXX and Credit AcceptanceXXXX XXXX XXXX XXXX XXXX XXXX. The loan was for the financing of XXXX XXXX XXXX XXXX purchased on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
As per the Truth in Lending Act ( TILA ) 15 U.S.C. 1635 and Regulation Z 12 CFR.

226.17 and 226.23, I am exercising my right to rescind the loan due to the failure to provide material disclosures required under federal law. Specifically, the required disclosures regarding finance charges, annual percentage rate ( APR ), total payments, and other key terms of the loan were not adequately provided at the time of the loan agreement. Which left my Right to Rescission unexpired!!
Product: Checking or savings account

Dear CFPB, I am extremely dissatisfied on the lack of support, investigation, and safety by Wellsfargo Bank. I was defrauded out of {$2500.00} by an individual claiming to be a property manager and requiring a security deposit. I bought a Cashiers Check from Wells Fargo for the amount of {$2500.00} and deposited to the persons account. When I discovered that it was a bank fraud & their was never a property or managment, I immediately contacted Wellsfargo Bank both in person and via telephone to cancel the cashiers check. Wellsfargo notified me that the cashiers check was already deposited and they couldn't cancel it. To add insult to injury, they notified me that they wouldn't be able to refund my {$2500.00}.

I have been a Wells Fargo customer since 1997 and I am extremely dissappointed that they failed in providing a safe environment for their customer. I am prepared to take legal action against the bank for creating an easy platform for criminals to continue targeting victims with no hindrance. Wellsfargo and other banks have created a loose banking system that allows customers to get defrauded. 

Name used by criminal : XXXX XXXX Phone numbers used by criminal : ( XXXX ) XXXX, XXXX XXXX XXXX Email used : XXXX XXXX
Product: Mortgage

Loan Date : XX/XX/2012 XXXX XXXX : XXXX} Actions that were taken by me : Among loan modification settlement XXXX recoverable expenses Issued the unfairness of the charge.
Product: Debt collection

After checking my credit report on XX/XX/XXXX I noticed that there was an open collection with Conserve that was reported sinceXX/XX/XXXX. I 've never had any communication with this company and there was never any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act. 

Withholding Notices You are entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information I would like to file a complaint to have this reporting deleted from my credit report and I would like to have this company blocked from future reporting of this account. This company has performed unethical business practices
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Pennsylvania XXXX XX/XX/XXXX RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX Pennsylvania XXXX XXXX XX/XX/XXXX
Product: Credit card

Tried making electronic payment from a new account ( number given to me by my credit union which turned out to be wrong account number that had the money in it ). XX/XX/2024 payment for XXXX which was not paid, XX/XX/2024 payment for XXXX which was not paid. Wrong account number used. XX/XX/2024 XXXX payment failed but Upgrade tells me they gave me credit for the payment on my account. It show on my Upgrade account as failed and my account was locked until I made the XXXX payment by certified check and I did which was credited on XX/XX/2024. My account balance is being overcharged XXXX and they won't remove this charge because they said they gave credit for it even though the payment failed. I have spent approximately XXXX separate phone calls trying to get this fixed but Upgrade will not remove the extra charge.