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

I noticed unauthorized charges on my account through cash app and filed a claim. I was told by the agent that my current debit card would be closed and I would receive a new debit card. I haven't seen the unauthorized transactions credited to my account yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the creditor which is XXXX XXXX at XXXX XXXX XXXX to pay off 2 debts off of Equifax. I was told that they were removed from there record on XX/XX/2018 and that it should've been removed off my credit report. So i put in a dispute with Equifax 3 times and each time i got a email stating that the issue has been corrected.but i cant seem to get into the right page cause i keep being told that my information isn't correct.but it is ... i know who i bought a car with..i know who i got a credit card with. Im putting in my right imfo but its not right according to equfax.maybe that got wrong information i dont know. In any case the information is still on my report and i want it off.the same information was on transunion but was deleted. I truly dont undertand the problem.please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a wrong address on my personal file. Which I had contacted Equifax to have removed back in XX/XX/XXXX. The address is XXXX XXXX XXXX, XXXX, OH XXXX I have never lived there at all. I would appreciate it to have it removed.
Product: Checking or savings account

On XXXX XXXX 2022, USAA Savings bank locked my accounts without warning. They have been locked for a week. I have contacted them XXXX times and no one will provide me a reason for why my accounts have been frozen, or when they will be unfrozen. I currently do not have any access to my funds. The last response I got was on XXXX XXXX 2022 saying that they would initiate another review to see if my funds could be released. However, since it is a weekend the earliest I could get access to my money would be Wednesday XXXX XXXX. I have bills that have come due and others that will continue to come due as USAA continues to withhold my money from me iwithout reason.
Product: Bank account or service

Wells Fargo is taking too long to share my transactions with XXXX. This is limiting my ability to use XXXX when I need it. I use XXXX to access my pay when bills are due or I need to buy groceries.
Product: Credit reporting or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX inquiry date XX/XX/year> XXXX XXXX inquiry date XX/XX/year> XXXX XXXX XXXX  inquiry date XX/XX/year> XXXX XXXX XXXX XXXX inquiry date XX/XX/year> XXXX XXXX XXXX inquiry date XX/XX/year> XXXX inquiry date XX/XX/year> XXXX inquiry date XX/XX/year> XXXX inquiry date XX/XX/year> XXXX inquiry date XX/XX/year> XXXXXXXX XXXX inquiry date XXXX XXXX XXXX inquiry date XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is regarding XXXX XXXX  Account XXXX XXXX-open date {$2400.00} Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files ; failing to prevent the improper reinsertion of previously deleted information from consumer files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded.that Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( 1 ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( 2 ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server.
Product: Debt collection

Fraudulent collections account. Called this company on numerous occasions, they referred me to XXXX XXXX. Called XXXX XXXX, they referred me back to Stellar Recovery. This happened also back in XXXX 2015 and was removed by the collections company. There is no validation for this collections account and account is fraudulent.
Product: Debt collection

My identity was stolen back in XXXX 2008 when my purse was stolen from my person. I have the police report with the statement of theft. Today, I received a phone call at my place of work regarding a collection of debt. The company is Performant Financial Corporation and the caller was XXXX XXXX. I explained to XXXX that I am a victim of identity theft and her calling me at work was illegal under section 806 ( 5 ) of the Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am submitting another complaint because I am once again stating that I have sent multiples letters for half of a year requesting that the information be removed and updated. From XX/XX/XXXX until XX/XX/XXXX. The information has not been updated at all. And not has been updated. 

I have already sent multiple letters requesting the information to be removed and to be verified. And you ask me to continue to do it The response giving to me on XX/XX/XXXX was to re-submit disputes. The doesnt make sense to do that. My rights are being completely violated. I am not submitting anymore letters and I am seeking litigation if the information previously requested is updated and removed. 

XXXX XXXX XXXX is a resold debt from a different debt collector. And they are trying to collect a debt from XXXX, and on my XXXX Report, another debt collector is trying to collect on a debt from XXXX of the same account. Which is completely illegal. I pulled the information from the XXXX app and printed the reports. 

XXXX has no documentation saying that I have agreed to pay that debt they are collecting on the behalf of Apex Apartments. They will not provide information of registered agent of service, obligation of debt with my signature on it of agreeing to pay. 

Youre violating my rights and the FCRA federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$6800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- XXXX ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I, the consumer and natural person, was denied credit by XXXX XXXX when I applied for XXXX XXXX XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX due to the response I received. XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX according to law.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my XXXX  credit report was disputed but I have not received the results of the dispute/investigation. The account number listed is XXXX and a balance of {$300.00}, with no other identifying information. This information is not valid and making it difficult to obtain credit.
Product: Payday loan, title loan, or personal loan

I applied for a {$300.00} loan to be paid back on my next pay day with a {$90.00} fee. they ended up taking {$90.00} every two weeks out of my bank account until now which equals {$990.00} so I paid {$990.00} for a {$300.00} loan
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth XXXX XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

Someone open an credit card in my name and its on my credit report and made it bad
Product: Credit reporting or other personal consumer reports

I checked XXXX XXXX this morning and it shows that my score went down XXXX POINTS - the reasons why : " Collection Removed '' and " First Premier Balance Decreased. '' THESE ARE POSITIVE OCCURRENCES. I CALLED EQUIFAX AND THEIR FOREIGN CALL CENTER ADVISED I CALL A CREDIT COUNSELOR TO FIND OUT WHY MY SCORE DECREASED XXXX POINTS. 

THIS MUST BE CORRECTED IMMEDIATELY. MY SCORE SHOULD BE IN THE HIGH XXXX IF NOT XXXX!!! FOR SOME REASON THESE BUREAUS WANT TO KEEP CONSUMERS CREDIT SCORES LOW TO CAUSE HIGHER INTEREST RATES. IT'S A WIN-WIN SYSTEM FOR THE CREDIT SYSTEM AND A NOTHING BUT BS SYSTEM FOR THE CONSUMERS. 

I SUGGEST A CLASS ACTION LAWSUIT BE BROUGHT ON TO DESTROY THE STRUCTURE OF THE CURRENT CREDIT BUREAUS AND CREATE THEM WITH INTEGRITY AND CONSUMER PROTECTION IN MIND AND NOT CONSUMER DEFAMATION OF CHARACTER BY CREDIT SCORE. MANY PEOPLE HAVE THIS ISSUE WITH THEM, NOT JUST ME. 

I WANT THIS CORRECTED ON MY REPORTS IMMEDIATELY AND FEEL THAT ANYONE THAT EXPERIENCES THIS NONSENSE BE ISSUED AN APOLOGY LETTER ALONG WITH FINANCIAL COMPENSATION FOR THE WASTE OF TIME AND MONEY THAT THESE BUREAUS CAUSE OUR LIVES. 

THE SYSTEM IS RIGGED AND MUST CHANGE.
Product: Mortgage

I filed a complaint about Citizens One Home Loans with the CFPB ( XXXX ) about their irrefutably deceptive behavior over the course of the last year. 

On XX/XX/2021 after filing this complaint, I finally received a loan modification packet prepared by XXXX XXXX, outlining the terms of an agreement to begin on XX/XX/2021. I signed this paperwork, and it was notarized by XXXX XXXX. ( Commonwealth of Pennsylvania ) On XX/XX/2021, XXXX XXXX signed the same packet on behalf of Citizens, and it was notarized by XXXX XXXX, ( Commonwealth of Virginia ) On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX sent a letter out to the CFPB and I saying the loan was undergoing a modification with an estimated completion prior to XXXX XXXX, implying the issue had been resolved. 

The letter also stated that a review of my account shows " many customer service representatives tried to return my calls, they were not answered and the voice mailbox was full and a message could not be left '' This is an undeniably false statement. Not only do I have an unlimited voicemail plan with my carrier, but I have answered every single phone call at every hour of the day and night for the last 14 months and will happily provide phone records confirming material fraudulence. 

XXXX XXXX called me today, after sending this letter to both me and the CFPB to tell me that despite having a mutually signed and notarized agreement, the modification was still 'going through processing '' and it may or may not be completed by XX/XX/XXXX. 

I asked her what else needed to be done for the modification to be official and valid, considering both consenting parties signed and notarized the documents, she was also unable to answer my question. 

When I asked her what further processes the paperwork I and Citizens both signed and had notorized needed to go through to confirm the modification she was unable to answer my question. 

She said she was not able to confirm my payments would resume on XX/XX/XXXX, as stated in the paperwork both XXXX and Citizens one home loans signed and notarized. 

Based on these responses, it's hard to tell if the purpose of the paperwork was to run the clock out on the CFPB complaint or to actually create an agreement between the two signing parties. 

Based on my experiences with this company over the last year and a half, I have no reason to believe this loan modification will go into effect on XXXX first. 

If past behavior is any predicator of future behavior, I would say there is a high probability they are going to attempt to use vague and obscure technical jargon which they are unable to even define or parameterize as plausible deniability to delay this process even further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third letter I have sent to your company about unauthorized inquiries that have been made. and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports. These inquiries seem to be the result of several attempts to fraudulently open accounts. I have asked repeat to delete those inquiries. I did not initiate any of these inquires furthermore if you feel like I did please have the XXXX, Experian and XXXX to delete them. As I plan on seeking civil liabilities if not removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account they failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/Belk, XXXX/jcp, XXXX/lowes, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX and XXXX. I access this all from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1st Complaint, Experian refuses to report my name accurately, at present is reported in Experian as XXXX XXXX XXXX ; correct name is XXXX XXXX XXXX ( Reference Birth Certificate, Social Security Card and ID cards included in attachments ). I have tried talking to several representatives on various dates over the phone : XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

2nd Complaint, Experian is not reporting accurately on my credit report after my Chapter XXXX Bankruptcy filing, I initiated a formal dispute on XX/XX/2018 to Experian and it did not resolved the problem. Moreover, I even provided a reference of the Fair Credit Reporting Act to Experian ( Reference my attached Experian dispute letter ) in my letter and again the problem remains. Furthermore, XXXX  and XXXX  are reporting my Chapter XXXX Bankruptcy filling correctly ; giving me the chance as a consumer to build my credit and get a fresh start on my finances. Unfortunately Experian is not providing me with the same reporting information ; showing 18 late payments, collections, charge offs, etc. Please i need your assistance to resolve this issue with Experian and begin my fresh start with my finances. Thanks for your time and attention in this Matter. 

XXXX XXXX XXXX ( Ret. ) XXXX Veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordence with the fair credit reporting act covergent account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting acXXXX XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 card or prepaid card

I look and check my credit karma daily. It gives me multiple great options to be approved for many credit cards, but the denial rate has been significantly higher than any approval rate for any card that Ive tried to get based off their recommendations this has affected my credit score. If they would have not recommended that I had a excellent chance to get the cart I would not have applied that is so unfair to me.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding the denial of securities by XXXXXXXX XXXX XXXX which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). Recently, I submitted a registered security to XXXX XXXX XXXX, as per their requirements. However, my application was denied based on information provided by Transunion. It is pertinent to note that this denial occurred despite my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX which should not be grounds for refusal of access to my securities. I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. I am seeking compensation for the denial of my securities by Transunion. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial. Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue.
Product: Debt collection

Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in XXXX. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in 2 weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXX, Bank of America, XXXX XXXX and XXXX XXXX I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. Thank you XXXX XXXX This is part of the claim XXXX Bank of America XXXX XXXX XXXX DE XXXX
Product: Vehicle loan or lease

Ford credit, XX/XX/2020 Was harassed 10 calls today. Explained that my position was eliminated due to covid 19. I have a payment set for XX/XX/XXXX. 

Threats and treated unfairly and did not get employee id, no transfer to supervisor and call sounded from another country. 

Was hung up on and was never resolved