23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX I received an email from a " XXXX XXXX '' whom works for The XXXX XXXX XXXX XXXX. The email was to alert me that an affordable apartment unit was available for my tribe if we would like to apply for the unit. The available unit would allow my tribe to only pay only 30 % of our income in rental fees monthly. I submitted my response by email and informed XXXX XXXX that we were interesting and would like the applications to began the process. XXXX I received an email from XXXX XXXX and it contained the rental applications and guidelines. We immediately completed the applications and sent them in an email to XXXX XXXX. XXXX XXXX had informed me that she was not the onsite XXXX, however she would forward the rental applications to the onsite XXXX a " XXXX XXXX '' and that would be our person of contact moving forward. Starting XXXX through XXXX I submitted several copies of the completed rental applications, Check stub copies, landlord verification copies and all other pertinent documents when attempting to rent an apartment. In the process of attempting to have our rental applications processed we were met with several delays, XXXX XXXX stated that we ( our tribe ) owed a debt to The XXXX XXXX XXXX XXXX. XXXX I submitted a request for assistance to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained the difficulties that we were encountering with XXXX XXXX and asked if we would be able to submit our credit check fees to a different onsite XXXX for The XXXX XXXX XXXX XXXX as we did not think XXXX XXXX would complete the application process and simply take our {$60.00}. On XXXX I received an email from a " XXXX XXXX '' whom also works for The XXXX XXXX XXXX XXXX and she informed me that she would process our applications for the unit. XXXX a " XXXX XXXX '' sends me an email stating that she also works for The XXXX XXXX XXXX XXXX and she will now be processing our rental applications. XXXX I receive an email from " XXXX XXXX XXXX '', partner of Law offices of Kimball, Tirey, & St. John LLP and in the email XXXX states that we have an unpaid balance that is owed to The XXXX XXXX XXXX XXXX and according to the records that a " XXXX XXXX '' obtained the information for the years XXXX and XXXX. Due to this erroneous information being reported and shared without our prior knowledge or consent we were denied the apartment according to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

looked at my report back on XXXX 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. 
These accounts are not accurate XXXX XXXX XXXXankruptcy : Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute the accuracy of my credit report and request that you remove a fraudulent account listed on my report. I recently discovered that my identity has been stolen, and I have filed a report with the Federal Trade Commission ( FTC ). 
As you are aware, the Fair Credit Reporting Act ( FCRA ) provides consumers like me with the right to dispute any inaccuracies on their credit report and request corrections. In this case, the fraudulent account in question was opened without my authorization, and I have never had any association with the company or the account. 
The fraudulent account has negatively impacted my credit score and is causing me significant financial distress. Despite reporting this incident to the FTC, I have not received any response or assistance, and I am now turning to you for help. 
I request that you remove the fraudulent account from my credit report immediately, as it is an error and is causing damage to my credit history. I have attached a copy of my FTC identity theft report for your reference, and I am willing to provide any additional documentation you require to resolve this issue. 
Furthermore, I also request that you investigate how this fraudulent account was added to my credit report in the first place. I believe that your company has violated the FCRA by adding this account without verifying its accuracy and failing to promptly investigate my dispute. 
Please provide me with a written response acknowledging receipt of my dispute, and outline the steps you will be taking to resolve this issue. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I pulled my credit report to discover that Rent Recovery Solutions located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, hereinafter Respondent was reporting information on my credit report which I have no personal knowledge of. 

I have had no prior dealings with the Respondent. 

On XX/XX/XXXX, I delivered a letter via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX to the Respondent requesting, in purview of the 15 U.S.C. 1692g, for them to validate their claim of debt against me. 

As of the date of this complaint the Respondent has not presented any factual evidence of " Record '' ( as defined in 15 USC 78x ( a ) ), that would show that I am contractually obligated to pay, Rent Recovery Solutions, a collection agency, anything. However, the Respondent continues to report false information about me to the credit reporting agencies. 

I am with reasonable belief that the Respondent is in violation of the following : Using deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair or unconscionable means to collect or attempt to collect the alleged debt ( 15 U.S.C. 1692f ) Failing to send a 30 day validation notice within five days of the initial communication ( 15 U.S.C. 1692g ) Attempting to collect after being notified to cease and desist ( 15 U.S.C. 1692c ) Failing to report my dispute to the credit bureaus ( 15 U.S.C. 1692e ) Failing to validate while continuing to pursue collection ( 15 U.S.C. 1692g ) Attempting to collect an amount not authorized by agreement of law ( 15 U.S.C. 1692f ( 3 ) ) Willful noncompliance ( 15 U.S.C. 1681n ) Negligent noncompliance ( 15 U.S.C. 1681o ) On XX/XX/XXXX, I delivered a " Notice and Demand '' via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX giving the Respondent " Fair Notice '' and a chance to correct their error.
Product: Credit card or prepaid card

My complaint relates to a violation of CFPB regulation regarding allocation of payments against an expiring promotional balance. Link below to applicable regulation https : //www.consumerfinance.gov/policy-compliance/rulemaking/regulations/1026/53/ # b The relevant credit card issuer is Citibank NA . 

I had balances in two different promotional offers on this credit card. As of the XX/XX/2020 statement, I had {$11000.00} balance against a 0.99 % APR offer expiring on XX/XX/2020, and {$4800.00} balance against a 0 % APR offer expiring on XX/XX/2020. I made a {$6000.00} payment to this credit card on XX/XX/2020 with the intention of clearing the balance that was scheduled for expiration on XX/XX/2020. However, upon receiving my XX/XX/2020 and XX/XX/2020 statements it became clear that the {$6000.00} payment was largely applied towards the other offer expiring on XX/XX/2020. This is in violation of the referenced CFPB regulation. As a result of this incorrect allocation, I had {$4400.00} balance transferred to Standard Purchases with corresponding interest rate of 18.19 %, and I'm starting to incur these high interest charges as of my XX/XX/2020 statement. 

I contacted Citibank NA customer service over the phone to resolve this issue. Their initial response was " well, this is how we allocate payments ''. When i informed them that their allocation was in violation of federal regulations, I was told that this would be escalated to a supervisor who would call me back. I did not receive a call back for several weeks, upon which I made a follow up call and was told that the matter was still under investigation. Nothing happened for another week and then I received a letter from Citibank ( dated XX/XX/2020 ) stating that my request for payment allocation has been denied. 

I have attached the following supporting documents : XX/XX/2020 statement XX/XX/2020 statement XX/XX/2020 statement Citibank letter of denial dated XX/XX/2020
Product: Debt collection

Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Product: Credit reporting, credit repair services, or other personal consumer reports

Following my earlier complaint # XXXX in which TransUnion 's part of the XXXX web site was completely broken, I have continued attempts to obtain my TransUnion annual credit report from XXXX. I made two attempts today ( XX/XX/XXXX ). The first attempt in the morning proceeded to the security questions. I answered the security questions properly, but the system them told me I had failed identity verification and couldn't get my report online. I just tried again about two minutes ago, and this time I received an error message from TransUnion claiming that I had already received my free annual credit report for the year from their web site ( see attached error message screenshot ). This error message is a lie ; I have **not** received my annual credit report within the last year from TransUnion due to their web site not working. ( I most recently successfully retrieved my free annual report from TransUnion on XX/XX/XXXX, over one year ago ). TransUnion 's web site is clearly designed to mark consumers credit reports as viewed even if the system doesn't actually produce the report. These are obvious violations of both the FCRA and the FACT Act requiring them to actually provide free consumer credit reports annually and maintain the annualcreditreport.com web site in working order. The CFPB should investigate and sanction TransUnion for these violations!
Product: Consumer Loan

I was giving Wilshire Credit my payments and they send it back to me they made me now delinquent and took my car I, have proof they did that XXXX months in a row not, only that XXXX would call me XXXX times a day harassing me for the money I, spoke with XXXX the supervisor and still did n't have any answers or how we can fix this.
Product: Mortgage

My complaint/frustration stems from the lack of communication during two ( 2 ) attempts to secure a Home Equity Loan. I was denied because I did not have sufficient income. I explained there were more expenses on my XXXX Taxes than normal because of major repairs to my rental property. I was told I could reapply once received my XXXX Taxes because they would reflect a more accurate expense account. I reapplied and was denied again because the lender couldn't verify employment. My husband is my employer and their policy is a family member can not verify my employment. The problem with this decision is we were never offered an alternate means to verify employment. They were using my prior credit report and because of delays/lack of communication, I would need to have another credit pull. I do not want an additional hard inquiry on my credit file. Especially when it could have been avoided if the lender was more responsive. I feel I was discriminated against because of my employment status and made to feel like I was being dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) XXXX XXXX XXXX Account XXXX XXXX 2. ) XXXX XXXXXXXX Account # XXXX 3. ) XXXX XXXX XXXX Account # XXXX 4. ) XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX account # ( XXXX ) XXXX, XXXX, XXXX, and XXXX have violated my rights. 

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

15 U.S.C 1681 section 604a section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt or credit management

I have never got a credit card card from XXXX XXXX XXXX. 
I have never gave consent nor authorization for XXXX XXXX XXXX XXXX to have my information and have never seen nor heard of this company. Ive already reported this to this company before and was responded with a note my credit report instead of removing collection. Ive never gave consent for this company to have any of my information. 
I have never gave consent nor authorization for XXXX XXXX XXXX to have my information and as have never seen nor heard of this company.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with SYNOVUS/FIRST PROGRESS Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided.

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity XXXX constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. 5531.
Product: Checking or savings account

Wells Fargo has committed fraud again against the XXXX XXXX communities. I called Wells Fargo to close my account and to send me a confirmation regarding that closure. However, I spoke to numerous management and employees with no recourse. 

The Executive Team at Wells Fargo do not want to close my account, but to collect the interest by keeping it open. I requested a copy of the Deposit and Closure policy, which they failed to provide to me and have been given the run-around. I would like the following Executive management and employees to be investigated for fraud and failing to close accounts in a timely manner. There names are the following : 1. XXXX XXXX, Wells Fargo Executive Office 2. XXXX XXXX, Wells Fargo Executive Office 3. XXXX, Wells Fargo Executive Office 4. XXXX XXXX, Wells Fargo Executive Office 5. XXXX XXXX, Escalated Service Banker 6. Mr. XXXX, Wells Fargo Executive Office They are committing fraud and numerous violations by not providing confirmations for closed accounts, but keeping the accounts open for their personal and financial gain. I have spoken to more than 15 employees at Wells Fargo to get a copy of the closed checking account.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed some inaccuracies from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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

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

XXXX XXXXXXXX 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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account have been sold to another lender. As to my research I am no longer liable for the alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I am requesting that 
the following accounts be blocked and deleted from my credit report as they were fraudulently 
opened without my knowledge or consent. This request is made pursuant to 15 U.S.C. 1681c2(a) and FCRA  605(b).
Fraudulent Accounts:
1. XXXX XXXX XXXX
Account Number: XXXX
Date Opened: XXXX  Balance: $XXXX
2. XXXX
Account Number: XXXX  Date Opened: XXXX
Balance: $XXXX
3. XXXX  Account Number: XXXX
Date Opened: XXXX
Balance: $XXXX
4. XXXX XXXX
Account Number: XXXX  Date Opened: XXXX
Balance: $XXXX
5. XXXX XXXX XXXX XXXX XXXX  Account Number: XXXX
Date Opened: XXXX
Balance: $XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Acct # XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Acct # XXXX XXXX Acct # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; 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 suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to

my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, wh
ich is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Checking or savings account

My account was accessed by someone on XXXX/XXXX/XXXX and they made an unauthorized transfer. When I called Chase Bank, they suspended the online access and advised me to call a separate number to change my login/password. When I called the number, I was advised that my whole account would have to be closed and a new one opened but in order to do this I would need to visit a branch. This is not possible as the closest branch to my location is 143 miles away in a different state. I 've spent over 3 hours on the phone with Chase and they have not presented any sort of solution.