23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ive been a victim of identify theft and fraud, having multiple withdrawals from my EDD account, with a card issued by Bank of America. 

On XX/XX/2021 my husband drove me to the bank to cash my XXXX. There was no money available, so checking my statement I saw that on XX/XX/2021 {$1000.00} was withdrew from the account, and on XX/XX/2021 {$20.00} was taken, leaving the account almost empty, since my XXXX amount was {$1000.00}. I called Bank of America immediately and opened a claim, which it has been denied without any explanation or reason. Claim number XXXX. I had explained to Bank of America that I was XXXX couldnt not even drive on my own. I had the card with me, and nobody had access to it. I bagged them te refund the stolen amount since I had to pay for my health insurance before XXXX XXXX 


On XX/XX/2021, {$1000.00} was again taken from my account. My baby was XXXX XXXX XXXX  and because I was recovering from XXXX XXXX XXXX and because the pandemic I didnt leave the house on my own. I called Bank of America to inform but never received a communication about a second claim. 

In desperation, I called the police. Attached is my police report information. 
Station : XXXX XXXX  Report number : XXXX Classification : identify theft Date : XX/XX/2021 Deputys name : XXXX XXXX I have tried to call Bank of America numerous times to reopen the claim unsuccessfully. Besides the attendants from XXXX  been impolite, the calls always fail, or suddenly the attendant can not hear me anymore and asks me to call again. So I am unable to reopen the claims and have this matter resolved. 

Bacause I cant communicate with them over the phone, I sent them an email today, XXXX kindly asking Bank of America to reopen my previous claim, and investigate the third illegal withdrawal where {$1000.00} was stolen from me, and to refund my account with the total amount of {$2000.00} that EDD deposited as my XXXX. 

Highest regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. This items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened XX/XX/04 Balance {$300.00}, XXXX XXXX Date Opened XX/XX/04 Balance {$2700.00}
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : FOR 3 TIMES CONSECUTIVE TRANSUNION AND XXXX PERSISTENT WITH THIS PROBLEM AND THEY DONT WAN NA HELP ME, PLEASE I NEED YOU HELP WITH THIS ACCOUNT : XXXX account number : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). please I request a reinvestigation under Dispute of Inaccurate Information on Credit Report FCRA Section 611 and demand deletion for incomplete unverified informacion the last 30 days This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidat
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act. ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No, XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts I reported was XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had Two Credit Cards ... .I Was NEVER LATE ... .Never Missed A Payment ... .I Just Decided To Close Both Accounts ... .I Paid Them Off In Full ... .Then Closed Them ... One Was XXXX ... .Other Was XXXX ... .I Did n't Realize It Would Effect My Credit To Close Them Or I Would Have Just Kept Them With XXXX Balance ... I Just Did n't Want Anymore Credit Cards So Do n't Understand All These Inquiries ... ..Please Help ... .I Have Been Working Really Hard To Get My Credit Back Where It Belongs ... .Unfortunately I Had To File Bankruptcy in XX/XX/XXXX ... ... I Started A Business ... .Lost About 300,000 ... Very Sad For Me As I Worked Very Hard For That Business ... .But Then We Had The Crash..in XX/XX/XXXX... or XX/XX/XXXX... .Please Help Me With All These Inquiries ... They Are Bogus..Someone Has Hacked Me I Think! Thanks For Any Help ... XXXX XXXX/XXXX..
Product: Credit card or prepaid card

Hey I had a bank account for 6years never had one problem from one day to another one. My bank account was closed I've been waitting for weeks and my check Is supposed to come in the mail and nothing yet. I had a checking account and they closed it too without my consistent. I called several times and they cant give me exact day when I'm going to have my my funds available. And I cant get an answer why my account was closed. From santander bank my name is XXXX XXXX and I've been searching for answers as to why it happened to me.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing records as required, even after I provided a copy of the FTC report. In accordance with regulation 605b of the FCRA, I am submitting this complaint to help establish a legal response. If you do not remove the following items listed below, which are inaccurately reported due to fraud, I will hand my documents over to my attorney to initiate legal action. It is my intention to avoid pursuing any legal action, so please comply with the law. 
XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

This account has been in deferment status for the duration Never late never in repayment mode shows a current balance double the amount when started a payment amount due every month but the account in deferment status until XX/XX/2024.
Product: Money transfer, virtual currency, or money service

Affirm is the company I need help with. I placed an order with them on XX/XX/2022, the vendor was XXXX XXXX ( which I will also file a complaint about ). I ordered a white sofa that cam damaged and the level of install service advertised was not provided. The delivery driver was supposed to unpack and assemble the sofa and instead he just had me sign a blank screen and left. Once I opened box I noticed two pieces damaged. The major issue is that XXXX XXXX  has two conflicting policies listed on their website for their damage policy. The one in the FAQ 'S states that they'll replace or refund damage immediately. The one in the XXXX & XXXX 's states they can repair the item which I wasn't made aware of until after I received my order. I did not want a repaired sofa or a cleaned sofa by a furniture repair company, I wanted the brand new sofa I paid for. XXXX XXXX  refused to honor the police that I was directed to initially in the FAQ 's and said if I wanted to return it then I had to arrange return shipping and pay for it, plus a 15 % restocking fee!!! I disputed with Affirm and they stated that XXXX XXXX  sent them evidence of the policy listed in the XXXX & XXXX 's and refused to credit me, even though I sent then evidence of two conflicting policies on the XXXX XXXX website. I still have the damaged sofa, they can have it it just want my money back! Affirm has XXXX purchase protection for customers who use their service and I will never use them again!
Product: Mortgage

In an attempt to obtain a partial lien release from Dovenmuehle Mortgage Inc, we endured more than six months of delays due to irresponsible and unprofessional behavior, grievous errors, shift of blame, negligence, and refusal to communicate, convoluting and complicating what should have been an ordinary, simple, clear cut request to release a lien. 

When our mortgage was originated in XXXX it included two separate tracts of land, only one of which was used in the LTV calculation nor was it included in the original appraisal at time of purchase. This was discovered when we tried to reconvey the second tract of land to my mother-in-law in XXXX of XXXX. So, it seemed that the request to release this tract of land would be simple since the land was not part of the LTV calculation. 

However, instead of a simple release, we were subjected to continual and repeated shifting personnel, none of whom would take responsibility to look at the details of our request or take time to understand the history of the loan. Only under threat of complaint to the CFPB ( after 6 months of dodging, delaying and degrading ) and our pointing out errors in communication and paper work was the release drafted. A final insult was that the drafted release was riddled with error - including the wrong tract # and address! 

For this dismal performance, we paid {$1500.00} and an appraisal fee upwards of {$600.00}. In addition to these fees charged by Dovenmuehle Mortgage, my mother-in-law incurred increased construction costs due to the delay of release of her land and inability to obtain financing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I sent {$200.00} through my banks ( Wells Fargo ) mobile application XXXX for some sporting event tickets. The person I was buying the tickets from sent me his name and email and phone number. After transferring the money through XXXX. The person never sent me the tickets and stop answering my calls or emails. I went to Wells Fargo and they informed there was nothing they could do for me since I authorized it. They did tell me it went to someone's account at XXXX  XXXX XXXX. I went to XXXX XXXX  XXXX and they told me there's nothing they could do to help file a complaint because they have to protect there customers and since I'm not a customer of theirs. There's not much I could do but file a police report, which I did, and to call back XXXX XXXX XXXX customer support and file a claim.I did what i was told, I filed a police report i called XXXX XXXX XXXX back and they were still not willing to file any type of claim or help me at all. They told me call XXXX and see if they could help me. XXXX was of no help either. There customer support is automated. You can't even speak to anyone in person.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received a message on a job I applied to on XXXX. The company emailed me a check to buy the equipment for the job. The gave me a vendor to use. I deposited the money and luckily I could only send XXXX a day through Zelle. On XX/XX/XXXX I realized it was a scam. I called XXXX to alert them about the check and to stop the Zelle payment. It was too late and now I have XXXX less in the bank. Fees on the check for fraud even though I was the one who called them, and restrictions on my bank account. My automatic payments can not go through because I lost the privilege which I didn't know. I told XXXX  about the job and it is still up.
Product: Debt collection

XX/XX/2016 the amount of the Debt is XXXX. Talk to a woman 1 time and told her that my insurance paid for that. Even the lady at the office said my insurance was taking care of that. If I would have known that my insurance wasnt going to take care of it I wouldnt have never went through with the process.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION XXXX XXXX - XXXX inquiries ; XXXXXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a new vehicle. An extended warranty that cost {$2600.00} and GAP insurance that cost {$750.00} was added to the loan. I went in 3 days later on XX/XX/XXXX to cancel within the 30 days for a full refund. XXXX XXXX assured me a refund would post to my loan by early XX/XX/XXXX.  When that did not happen I contacted their customer service representative who did not respond back, but had XXXX XXXX contact me. XXXX Left a  voicemail on XX/XX/XXXX assuring me the cancellation was in process and that the lender would get a refund with in 3-5 business days. On XX/XX/XXXX I still did not see a refund so I called XXXX XXXX who said he needed to get with his cancellation department and he would call me back. He never did call me back. Their customer service representative also ignored my emails. The contract says I can cancel but now I'm at the mercy of XXXX XXXX XXXX if they want to cancel the warranty contract and GAP coverage, even though I was fully entitled to cancel.
Product: Mortgage

In XX/XX/2019 I ran into a financial bind due to a XXXX health issue with my daughter. I called my Mortgage company Wells Fargo to see if there was an option to Skip a Payment. I was told to call the loan Preservation Department. The loan Preservation people told me there was nothing that they could do until I was 60 days delinquent but at that time they would be able to assist me. Due to the need for the money, I skipped my payment and at the 60 day mark I called the Wells Fargo PReservation Department back. I was provided with an application and told that I qualified for the program and that I would be receiving paperwork describing the plan. 
The Plan I received consists of reducing my payment by {$100.00} per month and adding 10 years to my mortgage at a cost of {$220000.00} for the {$3300.00} I owed Wells Fargo. They will not budge and allow me to pay this fee, the loan modification is the only plan they are accepting. I XXXX  Wells Fargo Mortgage Fraud and found that I am not alone here, Wells Fargo has this program and has/is being sued for $ XXXX in US Court, I need help, I want to pay the {$3300.00} owed, they won't accept any other terms and are threatening to take my home. Note that the letter provided by Wells Fargo states that all I need to do to be accepted by the Preservation Program is to pay three consecutive payments. Nowhere in the letter does it states that there is a 10-year extension to my mortgage
Product: Mortgage

I am extremely stressed out with the company, LoanCare. My loan was transferred to LoanCare in  XX/XX/XXXX. I was with another mortgage company starting in XX/XX/XXXX, and I never had an issue with my escrow or insurance policies. In XX/XX/XXXX, LoanCare started to contact me about flood insurance. They needed my flood insurance documents or they were going to put me into a lender placed flood insurance policy. My payment was going from XXXX per month up to XXXX per month. I contacted my condo association because I pay into a flood insurance policy through them. That paperwork was submitted to the initial mortgage company. I called LoanCare, which took hours of my time, to explain the situation, and my condo association kept faxing the insurance policy proof to them. I called every four days. They kept telling me that they never received the fax. So, we would go through the entire process again. After the 5th time on 3 way calls with my condo association, I told LoanCare that I was calling a lawyer if they didn't tell me another way to show proof of this flood insurance. My condo association sent me a pdf via e-mail to show me the proof. Finally, last week ( XX/XX/XXXX ), LoanCare told me that I could upload it electronically. I was furious. So, I received a letter confirming that I was removed from lender placed flood insurance. I was pleased until they screwed up my escrow amount again. They calculated it wrong and have me paying the condo association policy amount per month into my escrow. I NEVER PAID THIS INTO MY ESCROW BECAUSE I PAY A CONDO FEE EVERY MONTH THAT COVERS MY FLOOD INSURANCE. I tried calling at XXXX, and I waited 90 minutes to get a customer service representative, and then they disconnected me while trying to transfer my call to another department. I am beyond done with this company. I really want to refinance with XXXX, but I am unable to get a better interest rate right now. This company is stealing from people 's most valuable asset, their home.
Product: Debt collection

During the time of the event when this occurred i had XXXX  which covered this, i explained the company did not due the diligence even after receiving the XXXX  card and info. The balance should have been removed instead i recieved phone calls from the company threating to affect my credit score and sue. These charges should not have been charged.
Product: Debt collection

This company CRG has contacted me on my employer phone and cell phone on several occasions regarding a loan that they claimed that I owed and it is not mine. I have told them once before to do not contact me and to contact my attorney and they continue to contact me with threatening calls about delivering paperwork to my job. They will not provide me with any company information or anything to stop these harrassing calls and all I have is the company 's phone number. The number is XXXX and have spoken with some rude characters that only hang up when asking about the details of the company that they are trying to collect a debt from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from World Acceptance Bank. I have no banking relationship with this company and theyve pulled my credit on 2 separate occasions without my permission on the dates of XX/XX/XXXX and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. 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 reporting or other personal consumer reports

I am writing to formally dispute the unauthorized hard inquiries listed on my credit report. The inquiries were conducted without my consent, and I believe they are violation of federal law under the fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681b. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im filing a complaint against FCO based on their continued attempts to collect an alleged debt that is intentionally abusive and deceptive. Im demanding that the collection company cease and desist all action against me, as my evidence is more than sufficient. The main points as per attached : 1. ) The original Lease included an attachment move-in/move out form thats signed by leasing manager, and clearly showes damaged flooring. Furthermore, attached confirming letters from leasing manager.

2. ) Moved out early due to breach of contract - Violation of the implied warranty of habitability under California code section 3 D616 civil code 19411942. No rent due for period alleged.

3. ) If money was due 3 day notice would have been attached to door, followed by court filling for eviction and unpaid moneys including any damages. This never occurred because there was no damages or money due at move-out.

4. ) Accounting Statement sent was a clear indication of a deceptive debt and intentionally abusive. The total amount is intentionally inflated to collect a higher amount by adding on numerous fees, then apply the same fee a second time. Double charges for same item on services never rendered, late fees charged on rent not due, etc.

The collection company purchased a fraudulent debt. The alleged debt is intentionally abusive and deceptive as outlined in attached documents. Therefore, FCO must cease and desist all collection activities against me.