23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in XXXX I recvd a bill from XXXX stating I owe XXXX. I reached out and advised something must've gone wrong because I did not have a personal account with XXXX. The apartments has an HOA that provides internet and cable services in which I paid with my rent. Earlier this year the apartment complex decided to switch and let us know they will be using XXXX and we needed to request set up with XXXX  since they will no longer use XXXX. So in XX/XX/XXXX I had XXXX come out and complete the connect. I contacted XXXX Customer Service and ask this to be investigated many of times but it could never be resolved. I asked for the corporate office to reach out to someone higher and they would not give me any information to reach anyone. I finally reached out to a guy named XXXX XXXX Executive Escalations and he asked me to send all the documentation showing how long I've had XXXX  as well as notices showing that the complex no longer used XXXX. He advised everything should be updated and completed. Well it never happened. I do not understand how a company can expect to come up with a bill out of the blue and say it's mine. The bill date shows exactly XX/XX/XXXX along with new charges as of XX/XX/XXXX but I did not have XXXX in these months at all. This company refuse to investigate and own the fact that they have made a mistake and is now trying to add a collection to my credit report. I have months of conversations that I have had with these reps and no one will correct their mistake. As far as this collection agency I reached out to them asking requesting a VOD. This company has sent me the same bill from XX/XX/XXXX in which one I did not have services with the company at that time and furthermore a bill does not constitute validation of debt.
Product: Mortgage

in XXXX I tried to get An afordable payment via Hardship I qualified for Thru HAMP Wells Fargo Claimed my Loan # XXXX originated in XXXX of XXXX and I could not Qualify. They Solicited That XXXX step Mod. They changed my loan Number so they would have Their deceptive Proof. They drug the process out for 4 years and tried to take my home, I had to file a petition of Bankruptcy to Stop Them. Finally in XXXX of XXXX they gave me another Payment of {$1000.00} per month. I am XXXX and only get XXXX per month. They claimed i make XXXX. They also added {$42000.00} to the end of my loan. This is all Predatory. They are nationally known as being Crooks. Why Cant YOU HELP ME?????????????????????????????????????????????????????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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

I honestly have no knowledge of this alleged debt, a few years ago my identification was stolen, I have contacted the consumer but I cant get any help from them 1.spring oaks capital LLC XX/XX/XXXX Amount {$8100.00} XXXX XXXX XX/XX/XXXX Amount {$560.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I have sent them several letters stating that I dont know anything about this debt and yet I have not received anything nor has it been removed from my credit report.I also contacted all three credit bureaus
Product: Checking or savings account

I called Bank of America about a fraudulent account open in my name. I provide the account # on the statement that was mailed to me which I received via regular mail today, XX/XX/22. The fraud representative advise he could not close the account with out me providing personal information to which I declined. Why would I provide any information if I am calling in to report fraud for an account with name associated. This is absolutely unacceptable. I advised the fraud representative that I will in fact sue Bank of America if this account impacts me in anyway. They have been advise the account is fraud and it should have been closed immediately upon notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

deciding to close my Credit Karma account do to misleading approval guarantees in which derailed my credit building efforts with XXXX non- approvals and XXXX hard inquiries, while being alured to apply with excellent approval odds XXXX offers claimed 99 % approval and the other was 98 %. all three were denied for the same reason. a public record or judgement. trusting Credit Karma ( CK ) and knowing they were also aware of such reason for rejection. I put my faith in they knew more then i did about credit approvals. my score dropped over XXXX points I lost my ability to purchase a car, a house or most importantly need health care. all before inflation begun. I had to switch cell phone company including my phone number when i go to close my account at CK I stuck unable to do so as the sent verification code to old phone number and in the help section on how to change phone numbers there is no reference to confirming change of phone numbers you must have both phone lines active and available. Who dose this CK pay to phone bill. now only way to move forward i have to send them a picture of my Dl or ID. how unsecure is that for me i didn't have to show ID to open account I didn't have to show ID on any action ever taken with them and i sure the heck didn't have to go through such degrading steps to change my number at my other XXXX account i have. yes XXXX very angry with Credit Karmas customer service tactics.
Product: Credit reporting or other personal consumer reports

In 2019, during the height of the COVID-19 pandemic, I faced severe financial hardship due to the widespread economic impact and loss of employment. Given the unprecedented circumstances, I believed that credit reporting agencies and creditors were instructed to provide leniency and not adversely affect credit reports for accounts impacted by the pandemic. This belief was based on the understanding that the CARES Act and similar protections were in place to prevent negative credit reporting during such a crisis. 

At the time, I did not anticipate that my account would be reported negatively. I assumed that the credit reporting agencies and creditors were adhering to guidelines to protect consumers during this period. Consequently, I did not take further action to dispute the account, as I believed that the situation would be handled appropriately given the widespread financial struggles caused by the pandemic. 

The account in question was reported with late payments and a vehicle repossession. I am now seeking correction of this information to ensure it accurately reflects the impact of the pandemic and the protections afforded under the CARES Act.
Product: Credit reporting or other personal consumer reports

AS I WAS VIEWING MY CREDIT REPORT I NOTICED INQUIRIES AND ACCOUNTS THAT DO NOT BELONG TO ME. IVE HAD MY WALLET PICKED FROM ME NOT TOO LONG AGO AND I WORRY THAT PERSONAL INFORMATION IS BEING MISUSED. FOR INSTANCE : COMPANIES- CAPIO PARTNERS LLC XX/XX/XXXX {$2900.00} XXXX XXXX XXXX {$19000.00} INQUIRIES- 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

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. 
XXXX, XXXX and Equifax companies are unlawfully reporting an unauthorized inquiry on my consumer report. 
They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I have not initiated any transaction with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do know I have an account with XXXX  XXXX which the account was opened XXXX XXXX, XXXX ( XXXX mos ) and that inquiry is accounted for which is XXXX  XXXX on XXXX XXXX but the other Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Money transfer, virtual currency, or money service

I cancelled a transaction with moneygram and they promised to refund my money then locked me out of my acct and wouldnt let me back in and wouldnt give me a legitimate reason why and they sent the money to the moneygram in XXXX XXXX and then wouldnt give it to receiver so i cancelled it and i havent got my refund but yet they took my money the amout was XXXX dollars and XXXX for exchange fee the reference number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home Mortgage is reporting incorrect information to the credit report agencies and their partners. Within the status of my credit report, it reads, " Open/never late. Deferred, payments begin 2021. '' In the note section, it states, " Payment deferred '' What payment is deferred? 

This is incorrect, and I have no deferred payments taking place in XXXX nor the near future.
Product: Credit card or prepaid card

I applied for an XXXX American Express Business credit card in XX/XX/2017. The promotion was as follows : " XXXX bonus Starpoints after {$5000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus Starpoints ( for a total of XXXX  ) after an additional {$3000.00} or more ( for a total of {$8000.00} ) in eligible purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. '' This is not in dispute, this is pasted from a chat window that they sent to me. 

We met both the {$5000.00} and additional {$3000.00} minimum spend simultaneously on our statement closing XX/XX/XXXX. We assumed the points would be issued quickly, as they were when my husband completed a similar spend on the personal XXXX AmEx credit card. We received the initial XXXX points for this card on XX/XX/XXXX, 15 weeks after meeting the spend, after they told me 8-12 weeks. However, we still have not received the final XXXX  points, and have now waited 7 months. We have spoken with American Express numerous times, and launched an " investigation '' in late XXXX. Each time we reach out, it will be another couple of weeks, a few more days, etc. We need some kind of resolution.
Product: Vehicle loan or lease

After reading 15 USC 1605, under the Truth in Lending Act and looking over the auto loan contract, written by XXXX XXXX XXXX and enforced by Ally Financial, I noticed there several items that were included in the finance charge that were not supposed to be. On XX/XX/2024, I sent the company an XXXX XXXX XXXX listing the violations present within my contract, as evidence, alongside the Notification of Rescission. I cited the codes in full detail and described the violations within the contract. This document was notarized. An example of one of the infractions is the nonobservance of 15 USC 1605a which states, " The finance charge does not include charges of a type payable in a comparable cash transactions. '' The contract that Ally Financial is enforcing has a charge for a gap addendum included in the calculation of the finance charge. On the contract for the gap addendum, it specifically states that, " ... .That your acceptance of this gap addendum is voluntary and is not required in order for you to obtain credit, does not impact your ability to obtain any particular or more favorable credit terms and has no effect on the terms of the related sale of the vehicle. '' However, the inclusion of the cost of this addendum was used as part of the calculation of the finance charge. The charge for the addendum would be paid regardless of the presence of a loan or not. 
Another example is again the violation of 15 USC 1605a, which states, " The finance charge shall not include fees and amounts imposed by third party closing agents if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. '' The calculation of the finance includes a processing fee from the dealership, XXXX XXXX XXXX. They would be considered a third party closer, because the dealership assigned their interest in the contract over to Ally Financial. Ally Financial doesn't require a processing fee for credit to be obtain through them nor do they retain the processing fee, that the dealership charges. That amount should not be a part of the finance charge calculation. Those are only a two of the examples from the document. I will attach a copy of the full copy of the affidavit as well as the bill of particulars, citing the evidence within contract. I sent this to Ally Financial to inform them that they were enforcing a contract that was not in compliance with XXXX, and that it would be grounds for the rescission of said contract. I heard nothing from Ally Financial is regards to this matter. In fact, my vehicle has been repossessed for none payment of a contract that was not enforceable based off of it multiple violations.
Product: Mortgage

This complaint is in regards to our construction contract with Homeside Financial, LLC. We wanted to bring attention to some new discovery we uncovered ( from our original CFPB complaint # XXXX ) that involved some discreet internal maneuvers by Homeside Financial. After more extensive review of the banks documents, it appears at some point after the closing of our loan, Homeside Financial took it upon themselves to alter the construction line items in our contract! Unbeknownst to us, line items ( # 2, # 3 and # 4 ) of our contract were reconfigured on the Project Cost Report to the tune of {$66000.00}! We aren't sure why exactly this was done, but it appears it was in favor of a financial gain to our then, unscrupulous builder. That being said we were never informed of these particular changes to our construction worksheet or even authorized Homeside Financial to do them for that matter. No change orders or correspondence has ever been produced to support these changes to the agreement. 


To say this contributed to our insufficient construction project funds would be an understatement. Considering our then builder was given a construction deposit of {$110000.00} between us and Homeside Financial prior to the commencement of the project, we find it perplexing as to why they would disburse more money without our knowledge.
Product: Checking or savings account

Good day, My names are XXXX XXXX XXXX.I am resident in XXXX but have a Wells Fargo account I opened in XXXX  when I visited XXXX then. 

Well Fargo blocked by account when I asked my cousin to transfer funds on my behalf to his own account sometime in XXXX.Both accounts where frozen when he initiated {$1000.00} transfer to his own account ( Mind you I used his phone number when I opened the account and even asked them if it was possible to add him as a signatory then but this was declined ) ..They unfroze his own account and left mine frozen insisting I had to come to the bank physically.To get XXXX  to the XXXX now is a huge deal as waiting times last XXXX years or more in XXXX.I just can not visit the XXXX for now. 

The issue now is I saved this money for a rainy day when I have emergencies.I can not pay rent back home now as I have a huge financial crisis that came up due to some unforeseen expenses and I need my money ( Just XXXX XXXX {$2000.00} of the amount I saved there to meet urgent needs.They never contacted me even after I called severally using XXXX and when I was still on XXXX ( Now deleted ) .I need your intervention on this even if I have to go and drop my credentials with XXXX XXXX  to prove I am the owner of this account.The situation is really bad and I have this money somewhere and being denied access.

Please help
Product: Payday loan, title loan, personal loan, or advance loan

This account was suppose to be fixed by the company. As they legally know they were not suppose to mark account as late. Very disappointed with Wells Fargo. Please fix by marking account as paid on-time never late or remove account from credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres some issue with this because the account is close and I dont know what to do
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal. 

Yours Truly XXXX, XXXX ( All Rights Reserved )
Product: Credit card

APPLIED FOR A DISCOVER IT CHROMECARD ON XX/XX/year> ELECTRONICALLY. THE APPLICATION WAS REVIEWED AND WAS NOT APPROVED DUE TO NUMBER OF CREDIT BUREAU INQUIRIES NUMBER OF ONLINE INSTALLMENTS INQUIRIES NUMBER OF TRADES WITH RECENT ACTIVITY IS LOW THEIR CREDIT DECISON WAS BASED NOT ON INFORMTAION OBTAINED FROM CONSUMER REPORTING AGENCIE ( XXXX ). ALTHOUGH, DISCOVERS APPROVAL WAS NOT BASED ON THE INFORMATION THAT WAS RECEIVED FROM XXXX THEY ALSO OBTAINED MY CREDIT SCORE FROM CLARITY AND USED IT IN MAKING A CREDIT DECISION. KEY FACTORS THAT AFFECTED MY SCORE/THIER CREDIT DECISION STATED BY THEM ( DISCOVER ) STATES THAT : NO OPEN ACCOUNTS IN MYCREDIT FIL. THE DATE THAT I OPENED MY OLDEST ACCOUNT IS TOO RECENT. I HAVE TOO MANY DELINQUENT OR DEROGATORY ACCOUNTS. NO OPEN REAL ESTATE ACCOUNTS IN YOUR CREDIT FILE. NUMBER OF INQUIRIES ON CREDIT BUREAU. ALSO, SINCE THE ASSET BACKED SECURITY /APPLICATION IE,, PROMISSORY NOTE WAS DENIED PLEASE RETURN THE APPLICATION. THIS DENIAL APPEARS TO BE DISCRMITORYBASED OFF CREDIT TRANSCTIONS WHICH IS ILLEGAL.
Product: Credit reporting

Credit bureau is not blocking the information on my credit report that was reported fraud. Police reports and FTC affidavits have been submitted as proof. This is in violation of the Fair Credit Reporting Act section 605B. When I contact the fraud department with Equifax , their answer was " Write our legal team ''
Product: Checking or savings account

I have been trying to use my atm debit card with MY MONEY to make a purchase for the past 2 hours, BANK OF AMERICA has been blocking my transactions, then when I try to attempt to contact customer service I am being gaslit that the merchant and myself are the problem instead of taking accountability. I have been making transactions with this merchant for years and now all of a sudden I am having issues out of nowhere due to BANK OF AMERICA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$720.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$720.00} Balance updated XX/XX/XXXX Delete account never had open with XXXX XXXX. 
Similar person with name.
Product: Credit card

{$340.00} was charged on account on XX/XX/year> that I dont have any information on from either bank or the merchant. 

Called chase and the merchant multiple times to get refund. 

I didnt get the refund even after dispute.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX