23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I put in with a outside company for a personal loan, of course I had to give them my personal information, I was told I was approved, then hours later I noticed money in my account, figuring this was the money I applied for, I started to use it, only days later I checked my account and it was negative and after calling the bank was told I had called them to reverse all of my payments made to my creditors, I explained it wasnt me, why would I say I want to reverse all the bills I owe, I feel the bank didnt protect my finances, they shouldve made sure it was me by calling my phone, also voice recognition is what they claim to use, well it wasnt my voice, this is the stupidest action ever to reverse charges because the members ask. Now I can never have another account cause XXXX cant afford to pay this money back. I wasnt familiar with this type of scam, but the bank is and they were of no help for me as their client, they should be held accountable.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXXXXXX XXXX, XXXX. on XX/XX/year> under the account number ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Hey, I realize that things happen n a person life but it was uncalled for when I was told I should have not gotten the loan if I could not pay for it, n I humble said that none of us new that we would be going through such of things. I felt disrespected and disappointed as if I was being classified.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the CFPB to address the improper and unlawful reinsertion of an XXXX account ( Account Number : XXXX ) on my credit report. This account did not appear on my previous credit report, yet on XX/XX/year>, I was outraged to find that I had been reinserted without any written notice, as required by the Fair Credit Reporting Act ( FCRA ). This demonstrates a failure by TransUnion to meet the FCRAs requirement for maximum possible accuracy under 15 USC 1681e ( b ). The reinsertion violates 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates that I be notified within five business days, and 15 USC 1681i ( a ) ( 5 ) ( C ), which requires new, verifiable evidence to support any reinsertion. Since this account did not appear on my previous credit report, I question the validity of any evidence used to justify its reinsertion. TransUnions actions reflect negligence and disregard for consumer rights under the FCRA. As outlined by 15 USC 1681o ( negligent noncompliance ) and 15 USC 1681n ( willful noncompliance ), they may face liability for damages, fines of up to {$1000.00} per violation, and additional penalties. I demand the immediate deletion of this account. Additionally, I require any documentation or evidence used to justify its reinsertion and written confirmation of its removal, along with an updated copy of my credit report. I expect prompt action, and I trust that the CFPB will ensure this matter is fully investigated and resolved.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 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: Checking or savings account

On XX/XX/2022, at approximately XXXX, my cellphone started receiving hundreds of random text, calls, and emails from spams. The text showed access codes to multiple accounts such as XXXX, XXXX XXXX, bank of america, etc. I also received phone calls from XXXX XXXX according to caller i.d . with people talking in a foreign language I couldn't understand. Eventually, after about an hour of this activity I called XXXX to see if they could help stop the calls and text. They provided me with a scam block app and the text and calls stopped. At approximately XXXX on XX/XX/2022, I received a message from Bank of America stating my bank account was low ( under {$100.00} ). I immediately used my mobile app to check my account. At that time I noticed someone had called into Bank of America without my authorization and transferred {$7000.00} from my business account and transferred it to my personal account. Then they proceeded to charge {$290.00} ( 36 times ) withdrawing a total of {$9200.00} to a company called XXXX. I immediately froze my debit card and contacted Bank of America. I was told the claims dept didn't open until XXXX the following day. I contacted the claims dept. at XXXX on XX/XX/2022. I filed a claim and I was told to go to a local branch to open a new account. I complied. On XX/XX/2022, I received a message from Bank of America saying I authorized the transfer and they were unable to approve my claim. I called Bank of America on XX/XX/2022, advising once again I did not authorize any transaction or transfer of funds in the amount of {$9200.00}. They advised me they would review case again. Haven't heard from them since. PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I WAS CHARGED FOR THINGS I DID NOT AUTHORIZE ON MY ACCOUNT. WHEN I RECIEVED MY STATEMENTS BACK WHEN THIS HAPPEN I CONTACTED VISA BANK OF AMERICA AND LET THEM KNOW THAT THESE WERE FRAUD CHARGES. THEY TOLD ME I WAS TOO OLD TO REMEMBER AND I PROBABLY DID MAKE THESE TRANSACTIONS. I TOLD THEM I DID NOT AND TO PLEASE STOP BEING SO MEAN TO ME. THEY CONTINUED TO SPEAK TO ME SO MEAN. I ENDED UP HAVING TO PAY FOR ALL THESE CHARGES AND THEN THEY CLOSED MY ACCOUNT WITH THEM. I WILL LIST THE CHARGES ; XXXX/XXXX/XXXX XXXX XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIME SHARE BY OWNER- XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIMESHARE BY OWNER- XXXX CARD ENDING XXXX RESORTS FOR HEROS- XXXX NOT SURE OF THE DATE I DONT REMEMBER PLEASE HELP ME TO GET MY MONEY BACK THAT WAS STOLEN FROM ME. IM A ELDERLY MAN AND THEY TOOK ADVANTAGE OF ME FOR THAT REASON TELLING ME I FORGOT AND I DID NOT. I KNOW WHO I MAKE CHARGES WITH AND I DID NOT AUTHORIZE ANY OF THESE CHARGES.
Product: Debt collection

I was mailed a letter dated XX/XX/XXXX from XXXX XXXX XXXXXX/XX/XXXX. In this letter its states that i owe a debt to Portfolio Recover Associates, llc. in the amount of {$1200.00}. 

on or about XX/XX/XXXX i called into Portfolio Recovery Associates, LLC. to inquire about the account and why they reached out to me. As per the rep on the phone she expressed that this company is a debt collection company attempting to collect a debt. 

on XXXX i mailed a letter of debt validation to XXXX XXXX XXXX XX/XX/XXXX. and Portfolio Recovery Associates LLC., Within the letter i requested detailed info about the alleged debt. such as a contract with my wet signature, itemized accounting of the account, etc. 

I received a letter from Portfolio informing me that they PURCHASED the debt from said creditor, also listing my name and alleged last 4 of ss # as additional information listed in the electronic file for this account and if i would like more details to call and request it, however i already requested this detail information in my 1st request of validation letter dated XX/XX/XXXX. 

I then received a letter dated XX/XX/XXXX and within it was a statement ( 1 pg ), along with a 2nd letter dated XX/XX/XXXX on XX/XX/XXXX.This letter which stated " that they already responded to a previous dispute. Meanwhile this was only my first attempt to dispute this account in question. 

On XXXX XXXX I mailed to them a 2nd validation letter requesting the same info and informing them of where i feel they failed to validate stated debt and what my rights are to obtain this requested info so that i can know if this debt is accurate or not. 

On XX/XX/XXXX I received in the mail the very first letter i received again not providing any of the requested info within either of my letters mailed to Portfolio.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few items on my credit report, that are 7 years older or more ... quite a few of them are 7 years and 6 months -- almost 12 years old. These I feel are well beyond the legal timeline to still be reported on my credit report, yes things typically fall off after 7 year 's .... 

XXXX & Equifax BOTH have NO OPTION to select as the reason for removing something as " too old to be on credit report ''. And XXXX especially gets to decide when you as a consumer can challenge something to be removed if you did so, once in the past. How is this their call over what is my credit report? If I want to dispute something each month, that really should be my decision. BUT, if something is too old to be there, why is that not an option to be selected? 

XXXX to their credit has this exact reason as an option, which should be required of all 3 credit bureaus. 

XXXX makes it extraordinarily difficult as this isn't an option that can be selected online of through their app. And no matter how many times you select " Other '', write in the reason, and state why something should be removed, you're stonewalled because they don't let you dispute any further. Why are they allowed to make this difficult for the consumer? If the FCRA law is deleted after 7 or 7.5 years, there should be an easier way to hold them to that standard, because then if that information is supposed to be deleted then the report can not be entirely accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet last year with my social security card and ID inside. Ive been struggling with this ever since.
Product: Credit reporting or other personal consumer reports

Applied and was approved for an auto loan with navy federal credit union. Upon going to dealership I went with dealership loan and notified bank. Bank instructed me to returned check which I did. However 6 months after I get a notification on my credit report from XXXX that its been added to my credit report. I called XXXX who expressed to call the bank because the info was verified from them. I called navy federal who before fed the check was sent back and cancelled but are instructing me to call the credit bureau. So at this point the vendor and the bureau are pointing fingers at one another. However it needs to be removed.
Product: Mortgage

I am currently having significant problems that have caused me and family major stress and hardship in dealing with our lender. I was off of work due to XXXX. I incurred significant less income during that time. I was off of work XX/XX/XXXX, XXXX XX/XX/XXXX. During that time my lender approved me for a Forbearance plan on XX/XX/XXXX. The Forbearance plan that was agreed upon was that no mortgage payments needed to be paid during the months of XXXX and XXXX and payments resume payments starting in XXXX ( which I did resume payments ). The missed payments of XXXX and XXXX would be put on the back end of the loan. So basically just adding two months to the loan. I was good with that agreement, and it helped me out. 

In XXXX the Forbearance agreement was over and I had to re-submit and do the whole process over again. This time I was not approved for the initial forbearance agreement, but I was put on a payment plan. The payment plan is an extra XXXX $ added to my monthly mortgage from XX/XX/XXXX to XX/XX/XXXX to repay only two months of mortgage. My normal payments are XXXX $ and now they asking for additional XXXX $ for almost a year. The forbearance plan in their own description says to help client get back on their feet. How does this help me get back on my feet? My current options are to pay the two months mortgage with fees ( XXXX $ ) or their crazy payment plan. 

The payment plan was never discussed with me. I would have never agreed to raise my mortgage XXXX $ for almost a year. There are way better options than that. I feel like I was tricked and swindled by my lender. I have tried multiple times to talk with a manger and they will not speak to me. Most of their employees ( not all ) have been extremely rude also.
Product: Credit reporting or other personal consumer reports

Despite multiple letters to Equifax to correct a very old balance amount, they have failed to update the balance on my account, continue to report many months old account information and refuse to provide me with an updated credit report either online or through the mail. The result is my credit score reflects an incorrect status and has prevented me from obtaining a credit card and a car loan.
Product: Checking or savings account

Hello, on XX/XX/XXXX someone used my card at a chase ATM when I had just gotten off work at XXXX XXXX, and chase is saying that since the person used my PIN number I am eligible for the fee and they have my account {$210.00} in the whole due to not simply checking the video .The person took the money out at XXXX.
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccuracies in my credit report after reviewing it. These inaccuracies could significantly impact my credit score and future financial opportunities. I urge you to take action to correct these reporting errors as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1. XXXX, XXXX XXXX XXXX XXXX XXXX Account Numbers # # # # # XXXX, # # # # # XXXX, # # # # # XXXX and # # # # # XXXX 2. XXXX XXXX XXXX Account # 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

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 which 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liabilit
y against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Mortgage

Myself and XXXX XXXX representative XXXX XXXX have tried repeatedly to contact XXXX XXXX to resolve the issues with my loan modification. Even logging in to portal for mtg update is not successful!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$73.00}.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mortgage Account Number : XXXX. 

This is in reference to the original Complaint : XXXX filed by the Borrower with CFPB on XX/XX/XXXX and the second Complaint : XXXX filed with CFPB on XX/XX/XXXX. 

Borrower received a weird lengthy response [ in all means ] from the Lender and once again forced to put up this Complaint with CFPB demanding a one word answer. Also, I will be sending a hardcopy of the above Complaint to the Actor Director of CFPB Pursuant to the above Complaints, Company failed to answer to my one and only question : 1. Does the Wells Fargo Home Mortgage have the right to purchase a Lender Placed Insurance for a Past period? Company must provide an Answer, - Yes or NO Pursuant to the Mortgage Agreement signed between both parties, Wells Fargo Home Mortgage has the right to enforce Lender Placed Insurance. This doesn't give explicit authorization to enforce Lender Placed Insurance for the past period. Please refer to " Exhibit A '' which is self explanatory. 

If the Answer to the above question is " YES '' then it is totally discriminatory, due to the fact that the Borrower can't purchase an Insurance coverage for a lapsed period anywhere in US whereas the Lender can.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that appear on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) under Section 604 ( a ) and Section 1681b ( c ), a credit reporting agency is not permitted to disclose credit inquiries without a permissible purpose, such as my explicit consent. I am requesting the immediate removal of the following hard inquiries, as I did not authorize them : XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Each of these inquiries was placed on my credit report without my knowledge or consent. Under the FCRA, only inquiries authorized by me are permissible and must be promptly removed if found to be unauthorized.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed a collections that I did not approve anyone to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act SYNCBXXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I made weekly payments to credit card even before the due date yet interest and late fees applied to my account on numerous occasions-see attachments Additionally {$1200.00} never refunded by XXXX XXXX XXXX instead they created another late fee of {$530.00} after I requested to close my account-see file XX/XX/XXXX Now they do admit to a refund but only of $ XXXX-see file XX/XX/XXXX after applying late fees and interest Every time I called a XXXX/Rep mentioned that it takes 6/8 weeks to process yet its only been three months and still waiting for refund