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

Hello, I carry a card with Citi, my available credit card limit is 3x the amount I intended to charge. I notified Citi that a large amount would be charged ( purchasing appliances ) via their app I received confirmation this was good to go. Upon purchasing, my card was declined. I responded to their text promptly confirming if this transaction was me and was notified my transaction was declined. I have called 4x to attempt to call and resolve any confusion and was told because I do not have a landline, a work phone number my account will now be locked for 10 business days awaiting a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a Police Report and FTC report because of identity theft. I am trying to purchase a home and there are still items on my report that do not belong to me : XXXX XXXX
Product: Checking or savings account

I am a XXXX XXXX XXXX widow and have banked with Wells Fargo for over 30 years. I was a victim of fraud and ELDER ABUSE, Wells Fargo bank failed to recognize several red flags as will be described below and this has caused severe distress and financial ruins based on their lack to take additional steps and stop to identify clear red flags. Based on my age that is in the account record locator it should have been obvious that this was a fraudulent Transaction. This is elderly financial exploitation!!! 
XXXX XX/XX/2022 I received an email XXXX  XXXX stating I was being charged {$350.00} for a defender service. The email stated that I call a number if I didnt want the service so I did. The gentleman proceeded to tell me that he would need to access my account through my computer. He then said he would refund the money in doing so. I then received a wire transfer to my account from him for {$35000.00}. He said he made an error, and that i needed to go to the bank right away to send the money back. He told me what to say. At XXXX I proceeded to Wells Fargo Bank . XXXX XXXX was the advisor that helped me. The international wire transfer of {$34000.00} was initiated at XXXX. I proceeded back home where this gentleman XXXX XXXX called me again. He then told me i could not access my computer OR my bank account until XX/XX/2022 at XXXX, and that if i did i would lose all my money. I called my daughter at XXXX to tell what had happen. She immediately went into distress. 30min later she was at my house. I was on the phone again with XXXX and he kept telling me NOT to do anything but wait. My daughter also spoke to him and he told her the same, not to do anything. We hung up and called Wells Fargo Bank to report this fraud. We tried to go into the branch but it was already XXXX, and the branch was closed. We called back the fraud dept and XXXX was helpful to close my accounts. XXXX said we would have to visit the branch in the morning to discuss the wire transfer. Today XX/XX/2022 i visited the Branch at XXXX. XXXX was there to assist again. My daughter explained to him that this is Elder abuse and that proper protocol was not followed given the extensive training for these situations. This is my life savings. I am retired and have minimal income. I feel i was not profiled enough to see that i was in distress as an elderly woman. My banking history was not pulled to see that XXXX XXXX I am a XXXX XXXX XXXX widow and have banked with Wells Fargo for over 30 years. I was a victim of fraud and ELDER ABUSE, Wells Fargo bank failed to recognize several red flags. My history was never pulled to see that Ive never wired money in the 30years of banking with them. 
Ive had to change my accounts, phone number, email and take my computer to get restored. This is complete elder abuse
Product: Mortgage

We applied for a mortgage refinance with Better.com They gave us a rate lock and charged us for a home appraisal. They sent us a loan estimate. Regularly, our loan estimate and closing cost went up. They said it was because they needed to add more funds to our escrow. We received an email that said we needed to explain why our current mortgage was in forebearance or default. We explained that it isn't and that we have never missed or been late on a payment. We asked where they were getting that information. They said it was on our credit report. We pulled our credit report. There was nothing of this nature on it. They said we needed to contact XXXX and have a 3 way phone call with our mortgage lender to explain that everything was good and up to date. We attempted two times. XXXX said that would return our call when they could reach our lender. This happened two times and we never heard from them.

The appraiser had also visited our home a couple of days after we made application for the refinance. Then, 2 days prior to the expiration of our rate lock, Better said they never received the appraisal and had results from XXXX, so we would have to extend our rate lock at no additional charge to us. The very next day our closing costs increased to over {$16000.00} almost {$8000.00} more than the day before. They said it was because our payoff was higher than expected. It was in fact less than they originally quoted. Rather, they tacked on origination fees and points even after they said we would not be charged any additional fees because it was their fault we were running behind. Our appraiser said they canceled him after he did the appraisal and that they dropped the ball. Better said he wouldn't return their calls. Again, false. I told them to cancel because this was unfair and we were facing false accusations that caused us to not be able to obtain our refinance. They said they would return our appraisal fee of {$550.00}, but they have not done that either. We are frustrated because this refinance would have saved us over {$70000.00} over the life of the loan. We would have gone with another company rather than have them collect our data, photos of our home and hit our credit with a hard pull. They made us turn in a great deal of personal information, knowing they were not doing what they were supposed to to make the loan work.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a verification and validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
With regards, Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you for your time, XXXX XXXX This Credit bureau is in violation of not reporting in 30 days, i want everything negative on my credit report which are account i included above to be removed immediately,
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing in response to your recent response regarding the accounts allegedly held by me with XXXX XXXX XXXX and Clark County Collection Service, LLC. I appreciate your efforts in reviewing this matter ; however, I must emphasize that I have never opened a loan with XXXX XXXX XXXX or conducted any business with Clark County Collection Service, LLC. The loan documents and account activity history you have provided do not reflect any transactions or agreements made by me. Furthermore, the assertion that payments were made on these accounts is inaccurate, as I have never authorized or made any payments towards loans that I did not open. The suggestion that fraudulent accounts would typically receive payments is concerning and does not align with the reality of my situation. I am willing to provide a copy of my identification for verification purposes. However, I must reiterate that the accounts in question are not mine, and any identification on file would not match my own. I request that you conduct a thorough investigation into these accounts and take appropriate action to rectify this matter. Specifically, I ask that you remove these erroneous accounts from the credit bureaus and cease any further reporting of disputed information. Thank you for your attention to this matter. I trust that you will handle this dispute with the seriousness and urgency it deserves. Also I have sent the requested identification to XXXX and this account is still not removed.
Product: Credit reporting or other personal consumer reports

A while back, I successfully settled the outstanding balance on my account with XXXX XXXX XXXX XXXX, ensuring it is now paid in full. However, despite this resolution, the entry persists on my credit report. I promptly contacted the company to request the removal of the account, but the issue remains unresolved. Despite my persistent efforts, the inaccurate information continues to impact my credit history. I am actively engaged in ongoing communication with XXXX XXXX XXXX XXXX to address this discrepancy promptly. It is crucial that the necessary steps are taken to rectify this issue and update my credit report to accurately reflect the current status of my account. I remain steadfast in my commitment to resolving this matter and maintaining the accuracy of my credit history.
Product: Debt collection

In XX/XX/XXXX I decided it was time to repair my credit and buy a house. I had several outstanding credit card collections that needed to be paid off. 
XXXX XXXX XXXX had three of those collections. In order to pay off all my collections I took out a high interest personal loan at the end of XX/XX/XXXX. On XX/XX/XXXX I called every single collection agency on my credit report and paid every one of them with the exception of the one in question. 
On XX/XX/XXXX I paid XXXX XXXX XXXX for 2 of the three collection accounts. 
First one was for {$290.00} and the second was for {$740.00}. 
The XXXX one I couldn't pay, they told me that because it was already entered in a Judgment, they couldn't receive payment. I called every payday from XXXX until the end of XXXX trying to pay this debt and finish my credit repair. Every time I called I was told its still in the legal department and can't make a payment. At this point I was starting to get upset and frustrated with XXXX XXXX. In early XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX of XXXX XXXX in XXXX Arizona stating the XXXX XXXX XXXX " acknowledges receipt of goods '' and was " a full satisfaction of judgment ''. 
Fast forward to today, XX/XX/XXXX, I am in the middle of a home purchase where escrow closes on XX/XX/XXXX and my lender called me to say XXXX XXXX is now saying I owe them {$1200.00}. We ( mortgage company and me ) thought that with the letter from the court they would fix this. I argued on the phone with a XXXX XXXX rep for over an hour. I finally was so upset that I said I would just pay the balance because I need to get this fixed so I can move forward with my home purchase. I was then transferred to XXXX, what they keep calling the legal department at XXXX XXXX. I explained to the new representative that I just wanted to pay the balance. He looked up my account and then asked " you live in Oregon? '' I said " yes ''. He then proceeds to tell me that he can not accept payment because XXXX is not authorized to collect in Oregon. 
I am making this complaint because it is urgent that this is taken care of or my home purchase could fall through and I already gave my landlord my 30 day notice back on the XX/XX/XXXX. I am desperate and have really been trying to pay this for almost a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, account number-XXXX has removed this late payment that is attached to my account and have refunded me my late fee but the credit bureau 's have not updated this account and its hurting my credit worthiness... I also have proof that they have sent in for this account to be removed that i'm attaching to this complaint.
Product: Credit card or prepaid card

My phone was stolen. My Chase Sapphire card supposedly has insurance for this sort of event. They subcontract XXXX XXXX XXXXXXXX  to provide the insurance. XXXX line is a horrible company that denies every claim for frivolous reasons or no sometimes reason at all. In the case of this particular claim it appears they have engineered the system to defraud all XXXX XXXX users of their benefits. 

They keep demanding a credit card statement that matches the card number on my receipt for the stolen. This is impossible. I used XXXX XXXX to purchase the stolen phone. The XXXX XXXX card number does not appear on the statement, only the main card number appears on the statement. Furthermore, XXXX XXXX card numbers are unique for each device. I no longer have the device I used to purchase the stolen phone. It is impossible for me to find that card number or to get any statement that matches it without the assistance of Chase but Chase refuses to provide assistance. 

This results in unwarranted automatic denial for any claim for XXXX XXXX purchases. There is no disclaimer that says XXXX XXXX purchases have no benefits. Even if I had the device that I used to purchase, the device does not display the full card number and the Chase statement doesn't include XXXX XXXX card numbers. 


I am attaching example screen shots from the device I currently have which has yet a new number I can only see the last four digits of. This is how it works and consumers have no control over this whatsoever.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of the unauthorized ONEMAIN inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY!

According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section. 
Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile. 
Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized ONEMAIN inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.
Product: Debt collection

Bank of America is making up false docs, also they are trying to collect XXXX XXXX dollars more than owed, also the statue of limitation has expired for this debt, bank of America as a debt collector can not bring suit now, we are disputing this note, as there was never a closing at a title Co., they have refused to produce any recipes for the money, that was claimed that was paid, this was a country wide predator transaction, some of the docs were forged doc, s
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states that they finished their investigation on Complaint XXXX ( XXXX XXXX reported as of XX/XX/2020- {$4800.00} ) VERIFYING the information from the original source. According to 15usc 1681 ch3 e ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. However, They seem to have obtained their information directly from the creditor. They have not done the proper investigation. I had also hired XXXX XXXX XXXX to write letters asking for and investigation and they had to remove it. I am have XXXX XXXX XXXX send me those letters now in case they are needed.
Product: Credit card or prepaid card

On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem. 


On XX/XX/2022, Capital One falsely claimed to CFPB that they sent me a letter on XX/XX/2022. But ( they are XXXX  ) Capital One never sent and I have never received any letter or correspondence from Capital One regarding this dispute. On XX/XX/2022, I contacted Capital One about this letter and they refused to send the letter and refused to solve the problem.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 SHALLL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

The debt collector company is supposed to be disputing this debt via letter through cfpb however its only been disputed on one credit report and not all three bureaus
Product: Credit reporting or other personal consumer reports

I AM UNABLE TO OBTAIN A LOAN FROM XXXX HOTELS DUE TO POOR CREDIT RATING. I HAVE NO DEBTS AND AN EXCELLENT CREDIT RATING.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed items are completely inaccurate and incomplete and it is a very serious error in reporting. I do not have contracts with these company and did not agree to pay any money to them. Its a FRAUD! This wrong information badly effecting my life planning. Therefore, the following information needs to be reinvestigated and delete after your investigation all the items!