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

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting

XXXX of the addresses it stated I lived in MD. I have never lived at that address.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Experian requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. In my dispute letter, I explicitly requested that Experian investigate these inaccuracies and provide me with the results of their investigation. 

However, I have not received any response from Experian regarding my request, nor have I received any investigation results. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, the bureau is required to provide the consumer with the results of the investigation. 

Experians failure to respond to my dispute and provide the requested investigation results is a violation of the FCRA. As a consumer, I have the right to accurate information in my credit report and to receive a thorough investigation into any disputed items. 

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to Experian as proof.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX, account 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 I awoke to an email from PayPal as a receipt for a purchase to XXXX the night prior to account XXXX, the issue was that this was a fraudulent charge placed on my account to which I contacted PayPal within 2 hours of the email being sent to notify them, and dispute the charges since this was clearly a fraudulent charge.
Four days later on XX/XX/XXXX I received an email from PayPal stating that they had attempted to withdraw money from my bank account for the fraudulent charge, but was denied, causing an overdraft to my bank account, only to once do the exact same thing again onXX/XX/XXXX causing the same reaction of another overdraft for the exact same fraudulent charge costing me {$63.00}, for a {$21.00} fraudulent charge.
Over a month later the company finally declared that I was not responsible for the fraudulent charge and reimbursed my PayPal account for the amount of the fraudulent charge, but after a number of attempts at contacting them, has failed to address their numerous actions of attempting to fraudulently withdraw funds from an account without the permission of the owner.
The moment I informed them onXX/XX/XXXX that the charges placed on my account were not made by myself, and an investigation had been started, the company should have taken the step to protect the customer from any further damage to their account or those connected to their services by not attempting to process the fraudulent charges though other accounts the customer has entrusted PayPal with. Instead of protecting the customer the company shows a direct lack of concern for the those that have entrusted them with their information, placing profit over consumer protection.
These actions are unacceptable and should not be allowed to be carried out by any company big or small. The reason as of why they even attempted and then continued to collect on a claim that had been declared fraudulent is beyond my understanding, but PayPal should be forced to answer for their actions, as I am sure I am not alone in having these activities occur to the accounts linked to their company.
The companys actions on XX/XX/XXXX transaction ID XXXX when they attempted to refund XXXX to my bank account displays that they were fully aware of their actions and the mistakes that had been made, through a lackluster cover-up.
Product: Mortgage

I was referred to Citibank in XX/XX/XXXX by my financial adviser at XXXX to explore a possible loan to purchase a house. I was interested in Citibank 's XXXX fixed, 10-year interest only loan product. 

XXXX ( XXXX ID : XXXX ) spoke with me and told me the rates and qualifications for the loan, including the need to transfer {$200000.00} to establish a relationship with Citibank, which I did. He also encouraged me to take out a home equity line of credit ( HELOC ) as a way to access the equity in my existing home to use as part of my down payment on the new home before we were able to sell our existing home, which I also did. 

Unfortunately, it turned out that nearly everything XXXX told me to get me in the door was false. The rates and qualification standards for Citibank 's loan products were not what he represented and as a result, I ultimately chose another lender for the purchase and another lender for the refinance after wasting several months going back and forth with XXXX. Even the early closure fee on the HELOC -- that XXXX expressly told me would be only {$500.00} ( see attached correspondence ) -- was misrepresented to induce me to do this loan with Citibank. It was only after I reviewed in detail the HELOC loan documents I signed that they authorize Citibank to collect a {$1500.00} early closure fee, in addition to the interest it has received over the past 6 months. Moreover, even if I had read the HELOC loan documents before signing them, it would have been too late for me to have chosen another lender for the HELOC at that point as I needed the proceeds from the HELOC loan to close the purchase of my new home. In addition, I already had established a banking relationship with Citibank by transferring {$200000.00} in investments to them instead of another bank, which steps I also did not have time to reverse. 

Now that I am paying off the HELOC, Citibank is insisting on its {$1500.00} early closure fee, which is not even " in the range of {$500.00} '' that XXXX stated in his last e-mail to me as he was trying to backtrack from what he previously told me orally when I committed to take out the loan. Plus, I had already taken out the HELOC by the time XXXX first suggested in XX/XX/XXXX that the amount could be anything other than {$500.00} and that the actual amount would be listed in the documents I signed. 

In early XX/XX/XXXX, I contacted XXXX ( XXXX ID : XXXX ), who was XXXX 's supervisor at Citibank before XXXX was terminated by Citibank, to explain the situation and ask Citibank to honor the commitment XXXX made to me that the early closure fee would only be {$500.00}. After several weeks of delays, repeated failures to return my calls and e-mails and a general lack of responsiveness to my claim, XXXX informed me on or about XX/XX/XXXX that Citibank would not honor XXXX 's promise and was relying instead on the signed loan documents to support its claim to the {$1500.00} early closure fee.
Product: Mortgage

During my XXXX like XXXX, XXXX & flag star bank equity. Have charged me over the 6 % that was on the soldiers and sailors relief act and now medically retired I wanted to let someone know. Thank you all in advance!
Product: Credit card

Hello. Citi has a credit card promotion called Merchant Offers. These offers are giving customers cash back for using their card to specific merchants. I have participated in these offers for months and months. Back in XXXX, I enrolled in a merchant offer from XXXX XXXX for 12 % back on XX/XX/XXXX along with a handful of other offers after getting the Citi marketing email that new offers were loaded. I then made a purchase with XXXX  XXXX the next day for {$71.00} bucks. I have never received that reward. The other Merchant Reward that I enrolled in was fulfilled within like 2 weeks. 

Citi doesn't have any contact information for questions or issues for this promotional program. I was able to find a customer service email address via XXXX and emailed them asking them to look into my issue on XX/XX/XXXX. Still haven't heard anything back from that email. 

I called Citi on XX/XX/XXXX and finally got a hold of a live person. I told him the issue and told him I emailed myself a screenshot that I enrolled in the offer. He said I can not email or submit online any where. He said the only way to provide the details is to print it out and mail to Citi. I was floored that is the only way to provide a big bank information. 

Let me know if you need anything else. 

Thank you
Product: Consumer Loan

I applied to refinance my 2010 Chrysler Town and Country vehicle that is being financed by Wells Fargo Dealer Services. I applied for refinance and was approved with the same finance company Wells Fargo Dealer Services. The refinance loan is in process. I notified to let them know that the loan was in refinance process because it is with the same finance company. The payment came due but there is no reason to pay if the refinance will take care of the old loan from the same lender. I have never been late prior to applying for refinance and now they are harassing me to pay when it is going to get paid off in a few days. I do not want them to report 30 day late to credit bureaus when it is the same lender and considering I was never late on any payments prior to waiting for the refinance to complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase mtg reporting account XXXX as XXXX owing and 120+ days past due. It reports open X/2007 with no credit limit but a payment of {$260.00} and XXXX balance. I have never had an account with Chase mtg with this information ... unsure if it 's error or somebody else 's account. needs to be removed from all 3 major reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, VOLVO-XXXX XXXX- 5 add a hard inquiry on my credit report per XXXX  . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

There were three personal student loans disbursed to me in XXXX from XXXX for {$11000.00}. I settled with XXXX and had all three paid off by 2014, documented in my records. 

The student loans reappeared on my credit report after the Dept. of Education " bought '' these settled loans. Since then my taxes have been garnished and my loans moved from servicer to servicer. Everytime I call the response is, there is an overwhelming call volume, and disconnected call. 

I have continued to call and send letters to have these loans removed. I have contacted all three credit bureaus, the CFPB, XXXX, Edfinancial Services, XXXX and XXXX XXXX. I have sent irrefutable proof, documentation and payment records. Then there will be a pending investigation, then no response. Next, I realize that the loans have " moved '' to another servicer. 

Now to round out a very long story my loans have been duplicated on my credit report from XXXX and EDFINANCIAL. Now there is over {$30000.00} in student loan debt on my credit report. I disputed through the Credit Bureaus and they refuse to remove them. THIS IS DELIBERATE FRAUD FROM XXXX AND EDFINANCIAL AND NEEDS TO BE RESOLVED IMMEDIATELY.

All 6 loans need to be removed from my credit report.
Product: Debt collection

I knew an account was being sent to Mars INC. on XX/XX/18 so I contacted them with the intention of setting up a payment plan. My main concern is credit reporting and preventing credit reporting. The representative had provided me the balance and that she would require $ XXXX/month to prevent credit reporting and that it is a courtesy that keep an account from credit reporting. I mentioned that they were in violation of FDCPA by not providing the Mini-Miranda. She said " we haven't discussed the debt '' ; which we had when she disclosed the debt without verifying 2 pieces of information. She then gave the Mini-Miranda and said that because I had an attitude she would not work with me to prevent credit reporting and that she would make sure the account was placed on my credit report. She then transferred me to a supervisor who was very rude about me asking my questions. When she said they wouldn't place the account on my credit report for 30 days I responded with " I know that would be illegal '' and she got snippy with " well when did you get your law degree ''. I work at a XXXX XXXX and am very aware of FDCPA and UDAAP. and it is in violation of UDAAP to tell me that because she did not like my attitude they would not extend the same courtesy to me as they would another consumer and to question where I got my information simply because I do not have a law degree.
Product: Mortgage

I received my billing statement dated XXXX/XXXX/2016, and noticed that the property address under the " Account Information '' section of Ditech 's new billing statement format does not include the unit number of the property. This could become a legal issue since the information on Ditech 's billing statement does not reflect accurate information, particularly the property address. I have called them many times in the past, and they were able to correct the " property address '' on their old billing statement format. Now, I have to contact them once again to correct this error. I spoke to XXXX at extension XXXX, and she suggests that I make this complaint once more, because she has no way of correcting it on her side. It is bad enough that Grant/Title Deeds do not show the exact property address even if we trace the document number filed through the County of XXXX. Please help me correct these errors, and hopefully we can start improving our housing record-keeping and eliminate problems completely.
Product: Money transfer, virtual currency, or money service

The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, Equifax employees have unlawfully accessed my credit report without my consent or knowledge, leading to the initiation of fraudulent and frivolous disputes. I have provided confirmation numbers related to some of these unauthorized actions : XXXX, XXXX, XXXX, XXXX, and XXXX. These actions have caused significant hardship and financial loss, as the disputes started by Equifax employees were on accounts that were either non-existent on my profile or on authorized accounts that were closed in good standing. 

Equifax employees have unlawfully deleted the following accounts from my credit report : 1. XXXX  XXXX XXXX account ending in XXXX XXXX XXXX. XXXX account ending in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX. XXXX XXXX mortgage account ending in XXXX XXXX I have never submitted any disputes regarding these accounts, all of which were closed in good standing. The deletion of these accounts has further damaged my credit profile and caused additional financial harm. 

I have reported this fraudulent activity and the ongoing behavior of Equifax employees to the XXXX XXXX Police Department, the FTC, the CFPB, the California State Attorney General, and the XXXX. Despite these reports, Equifax employees continue to commit fraud, initiating disputes and using information such as names and addresses of Equifax and the employees mentioned in the reports. These employees have also used these names to falsely claim that I disputed these names on my credit report. This fraudulent behavior has been ongoing for several months and has significantly impacted my financial stability. 

Despite multiple attempts to resolve these issues, the same employees continue to access my credit profile and manipulate accounts. This has led to the addition of fraudulent information, the initiation of baseless disputes, and the deletion of legitimate accounts that I have never disputed. The ongoing manipulations of my credit report have severely impacted my financial standing, making it difficult for me to maintain accurate credit information and leading to further complications in managing my financial obligations. 

Equifax 's unauthorized access and manipulation of my credit report are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 604, which requires that consumer reporting agencies must have a permissible purpose for accessing a consumer 's credit report. Additionally, these actions may also violate California state laws that protect consumers from unauthorized credit report access and the mishandling of disputes. 

Attached documents are letters from credit furniture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX along with dispute letter to copies of identification, police reports, FTC identity XXXX theft reports
Product: Debt collection

Received letter from XXXX XXXX XXXX XXXX dated XX/XX/2020 alleging I owe {$690.00} to creditor Synchrony Bank and merchant/account type PayPal Credit. This is not my debt. I have notified XXXX XXXX XXXX XXXX this is not my debt and requested they mail me documents supporting this claim and to stop all all communication with me. I have also asked them to record that I dispute having any obligation for this debt.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX : Account number XXXX. XXXX XXXX : Account number XXXXXXXX XXXX XXXX Account number XXXX have violated my rights. 

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

XXXX XXXX XXXX : Account number XXXX. XXXX XXXX : Account number XXXXXXXX XXXX XXXX Account number XXXX have violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are not supposed to 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: Checking or savings account

Both my checking and savings accounts were stolen in addition to my XXXX accounts. I need to get my outstanding debt forgiven.
Product: Money transfer, virtual currency, or money service

It said it was paid but it was not it has happened more than once
Product: Credit reporting or other personal consumer reports

This is about the inaccuracy this is inequitably furnished by your organization on my consumer report. You company is continuing to furnish this inaccurate account on my report. It is not assuring maximum possible accuracy. I have disputed this account several times with your company and you are continuing to furnish this inaccurate account. You are in violation of many of my FCRA rights. I demand that you delete this account from consumer report as you have been notified many times that this account is inaccurate and have not conducted a reasonable reinvestigation to assure this account is reporting accurate. You have caused severe damage to my reputation and borrowing power as a consumer. I will be taking LEGAL ACTION as Experian has violated several of my consumer rights.