23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Dear XXXX and The Consumer Financial Protection Bureau : REGARDING Loan Ending in XXXX for XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I am responding to yet again another example of the ineptitude and lack of financial controls Fifth Third is exhibiting again on my XXXX XXXX mortgage account ending in XXXX being serviced by Fifth Third. I am responding to your letter dated XX/XX/XXXX in regards to the financial declaration page. Oddly enough I have the request that XXXX XXXX  sent you and I dated XX/XX/XXXX. Please note it has your correct address in XXXX Ohio. So the issue again is Fifth Third has engaged in fraudulent activity that had been reported after hurricane XXXX. 

How do we know this is fraud? Lets look at the letter dated XX/XX/XXXX stating they have been in contact several times to acquire my policy? Seems very hard that you contacted them and received no response yet you paid them the exact amount they needed for policy renewal also on XX/XX/XXXX as included from a screen shot on my account. How could the money be paid out and to whom if you had no contact? If you had no idea how was this bill paid on XXXX the same date as the letter you addressed to me? Are you telling me you have money leaving accounts held in trust for your mortgages and have no financial safe guards? Because you can not tell me that somewhere along the line your system didnt flag that hey we have the data this should not be sent out or in the likely case with Fifth Third they have a strong financial interest to get me to refinance my rate so they can increase their profitability. 

This satisfies your ridiculous request and I await information from XXXX in regards to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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

I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the account XXXX XXXX XXXXXXXX. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed several incorrect accounts, including the one mentioned above. I believe these inaccuracies are adversely affecting my credit report and costing me significant amounts in interest annually. I understand that it is your responsibility to investigate these items to ensure their accuracy.

Below is the account I am requesting to be reinvestigated : Account Name : XXXXAccount Number : XXXX I request that you thoroughly reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Please send me the results of your investigation via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.
Product: Debt collection

This is for National Credits Systems and XXXX XXXX XXXX. I moved out of these apartments in XX/XX/XXXX do to unsafe, unhealthy and a unlivable conditions. ( I have documentation of this and witnesses to confirm ) I reported them to the health department as well as wrote a complaint to the company executive leadership. I was sent a document showing that they 'wrote off ' all the costs and the balance was XXXX. In addition, the items that that were written off were charges that were due to the apartment being in poor condition not from me. I heard nothing else until six months later National Credit Systems called me demanding money and refused send my a statement showing what I owed. They actually wanted me to pay over the phone without any documentation. Finally in XXXX of XXXX I get an invoice with the ridiculous charges. 
I was told when I reported the apartments to the health department that they might retaliate and this was their way of doing that. The apartment manager actually threatened me with eviction if I did not stop complaining about the apartment and the conditions. The apartments have since been sold and the manager was fired. At no time was I sent an invoice saying that I owe anything ; they went straight to reporting to collections. In addition, after the mold infestation and horrible living conditions I owe nothing. The apartments were in breach of their lease agreement by not providing a safe and livable apartment.
Product: Bank account or service

On XXXX XXXX, 2015 at XXXX, I sent a request to Discover Bank to transfer {$500.00} from my XXXX XXXX XXXX account to my Discover Bank account. The purpose of the transfer was to cover a checks that I had made, they sent an acknowledgement of XXXX. Discover Bank sent me an acknowledgement see exhibit XXXX. 
On XXXX XXXX, I received a notice from Discover that the transfer was completed on XXXX XXXX, In the notice they made no mention that the funds would not be available. See exhibit XXXX. 
On XXXX XXXX, they sent me a notice that they returned my check for XXXX due toinsufficient funds. 
I called them and they state they reserve the right to wait up to 5 business days for the funds to clear. It took XXXX calls and over XXXX hours of time discussing the concerns of insufficient notice. 
My concerns are this. 
1. In the XXXX XXXX email, they stated nothing with regard to their funds availability policy. Therefore, from that email, how would i know that they would they would not be making the funds available from the {$500.00} deposit requested on XXXX XXXX? 
2. On anACH transfer why would any financial institution take 5 days to clear a transaction?
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud alert in my credit reports over a year ago and I have received numerous unauthorized inquiries from companies but was never called by the credit reporting agency to verify if I authorized the transaction. I called the credit reporting agencies to see if my phone number was listed in my file and spent nearly 30 minutes explaining to a customer service representative what I needed just to get the run around and still did not find out if my phone number is listed in my credit report. What's the point of having a fraud alert on your file if the credit reporting agency is going to supply anyone who request you files without ensuring it is an authorized transaction.
Product: Credit card or prepaid card

Someone trying to open account in my name from Wells Fargo If more information needed let me know
Product: Mortgage

I need to have an assumption processed on loan # XXXX. 

NewRez has denied my request for assumption stating that the closing disclosure bars me from such a request but this is incorrect. 

The note does not restrict assumability of the mortgage and the disclosure is only a restriction to the original lender and does not apply to the new holder of the note XXXX XXXX which does not restrict assuming mortgages.
Product: Credit card

This CFPB complaint has been filed to request pursuant to ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit report 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 consist of a personal credit card account opened at XXXX XXXX XXXX date opened XX/XX/XXXX, account number XXXX, and XXXX XXXX  date opened XX/XX/XXXX, account number XXXX and credit inquiries with XXXX credit on XX/XX/XXXX, XXXX XXXX XXXX XXXX three time on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent reported. 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 { case number } as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud
Product: Debt collection

This is my 2nd dispute with XXXX XXXX XXXX through the CFPB. XXXX XXXX XXXX is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines.XXXX XXXX XXXX response to my complaint was completely false stating " Our office is in receipt of the complaint filed by Ms. XXXX XXXX. We greatly appreciate the opportunity to respond. Contrary to Ms. XXXX assertion, please be assured that we did send her correspondence. We have no reason to believe she did not receive our letters because the letters were sent to the same address listed in her complaint and not returned by the post office as undeliverable. Furthermore, please be assured that we never received any request from Ms. XXXX for validation of the debt. Notwithstanding, we have placed this account on hold and requested verification of the account from our creditor-client. We will send the documentation from our client to Ms. XXXX if and when it is received. We trust this resolves your concerns. '' I find it outrageous that XXXX XXXX XXXX take such stance without providing documentation & a signed contract as requested. Additionally, XXXX XXXX XXXX is still reporting this derogatory account to my credit bureaus. Next step is litigation & pursuit of monetary damages for violating my rights. I have documented all my efforts.
Product: Debt collection

I I went to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to have an exam. After a two hour wait, I saw the XXXX. I was presented with a application for credit at 27 % interest from CareCredit/Skynchrony Bank. I filled out the application but decided something was wrong and never had any work done. My visit was paid for by insurance.
It appears XXXX XXXX used the application as a scam to get money from CareCredit ( {$1500.00} ) claiming the work was done. Now I am getting bills from CareCredit for {$1500.00} as well as late charges for work never performed.
I have notified CareCredit by mail twice of the facts and instructed them to cancel the application, credit card, and not contact me again.
After two months they continue to bill me and add penalties. I fear they will damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX XXXX XXXX XXXX XXXX consumer report : Dispute : Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Reported SSN/ID : XXXX Drivers License : XXXX State : XXXX Date of Closure : XX/XX/20XXXX XXXX  # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) Bank of America is in violation of my rights. I request that this negative report be permanently removed from my XXXX XXXX XXXX XXXX XXXX report. I have attached documents to verify my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX Na, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX bank XXXX, XXXX of XXXX, XXXX XXXX NA, XXXX, XXXX, XXXX XXXX NA, XXXX MAIN, XXXX Card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 bank letters stating that 2 inquiries would be removed by Experian but Experian ignored them.
Product: Credit card or prepaid card

Since XXXX XXXX, I have been disputing an erroneous charge on my USAA credit card for a faulty car rental charge. The car rental vendor, " XXXX XXXX XXXX '' is somewhat shady, and USAA has not supported my continual efforts to report and correct a duplicated charge to my credit card. The vendor charged my card in advance for a car reservation and then when I actually rented the car, I was charged again. Additional details explaining all of this are provided in the attached documentation which I have submitted to USAA on several occasions. On at least 2 occasions between XXXX and XXXX, 2022, the materials to substantiate my claim that I uploaded to the USAA website were not fully received. I would upload them, and then they somehow did not " stay '' in my account and were never reviewed ; rather I was determined to be non-responsive to the requests for additional information. In addition to the paper trail of documentation attached, I also called USAA on at least two occasions and initially sought to use the USAA online tools to report the dispute. A part of my challenge, I believe, is that USAA has been repeatedly updating the website and not fully capable of providing online tools that do not provide problems for its members. Overall, I also find that USAA is not as fully supportive of its members as it used to be, and prefers to side with the vendor even when member documentation re : a wrongful credit card charge is provided. I have personal, similar past experience to this current incident, but for charges of lesser amounts. I do not see that USAA ever goes back to the vendor to question their billing, and if they do, they do not share any information with the member to allow a meaningful resolution of the issue. These omissions of action and/or information are not proper credit card dispute resolution methods.
Product: Credit reporting or other personal consumer reports

Requested XXXX, XXXX, and Experian free reports through annualcreditreport.com. 

XXXX and XXXX complied with the LAW and provided my reports. 

EXPERIAN DID NOT, TWICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I I was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX Where I was looking to purchase a pre owned Car. I ended up purchasing a car that Day and during the process I incurred six hard pulls Across the three credit bureaus XXXX XXXX and Transunion. End result I ended up approved and And taking out a loan that day from The lender that was best for me. Being that I was categorized as approved over For financing I am requesting that all hard poles be removed By all three credit bureaus In good faith As All they do is cause a negative impact on my score For no reason As in the end I left with a car that day And as I said I was approved. Please see attached document Proving my acceptance and approval For financing from the Company I ended up choosing to Purchase my vehicle that day.
Product: Debt collection

Upon checking my credit report, I notice a collection agency by the name of AFNI with the original creditor being XXXX in the amount of XXXX. I do not have a contract with this company, therefore they are not allowed to try and collect on a debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time Experian updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both Experian and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.
Product: Checking or savings account

When I signed up for this checking account with BBVA on XX/XX/2019, I used a promotion code that stated that I would get a {$200.00} bonus after receiving a direct deposit of {$500.00} or more. I fulfilled these terms and confirmed my eligibility with BBVA on XX/XX/2019. At that time, they stated I would need to wait 90 days for them to pay out the bonus. Those 90 days have now passed and I have submitted multiple messages for them to look into the issue. They claimed they were investigating it nearly a month ago, but still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a accounts on my credit report that should not be there. Auto account number XXXX showing an opening date of XX/XX/2016 Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach, which has resulted in identity theft. Due to this breach, several unauthorized accounts have been reported on my credit report without my consent. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent accounts from my credit report : Fraudulent Accounts : XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Student loan

I am totally and permanently XXXX due to an auto accident, hit and run. I receive XXXX XXXX XXXX. American Education Services ( servicer of my school loan ) And XXXX XXXX XXXX XXXX XXXX ( holder ) refuse to do ANYTHING to discharge, forgive or even lower MY debt. They actually increased the interest rate. XXXX, a different servicer forgave my private loan in XX/XX/XXXX. The US Dept of Education forgave all of my federal loans in XX/XX/XXXX and XX/XX/XXXX. 
I have attached documents : Physicians Certification Social Security Award Letter US Dept Ed cancellation of Debt XXXX Notification Waived Loan XXXX XXXX Acknowledgement
Product: Money transfer, virtual currency, or money service

I went to deposit {$290.00} through a US Bank ATM into my account and right after depositing the money into the machine, the ATM shut off before giving me a receipt. It said this atm is out of service. I contacted my bank right away and filed a claim. They said theyd check the count in the ATM and they got back to me saying the claim was denied and there was no miscount in the ATM. They also refuse to show me camera footage and said theres nothing else I can do.
Product: Debt collection

XXXX XXXX I did not like there service..I live in the XXXX of Colorado often lost service and could not get the kind of programming I wanted without a heavy increase of fees. Also the rate kept changing and increasing on a monthly basis. So I cancelled they refuse my cancellation for a period of 60 days and charged me extra fees of service after I requested cancellation. I also returned there equipment and suffered a 6 month denial that I returned the equipment and they showed inaccurate account amount on my credit profile for at least a year. AFNI is there collection service currently reporting for XXXX XXXX. They started with an account for almost a year at {$800.00} then eventually after disputing this several times lowered it to {$300.00}. So nothing is accurate and nothing is consistent for they state the account was opened in XX/XX/XXXX but the account was open in XX/XX/XXXX. They have moved the open date a few times.
Product: Debt collection

I have a medical collection with Sarma for {$130.00}. I didn't recall getting a bill from the original medical facilities, XXXX XXXX of XXXX Texas, but I did go and some of my medical expenses were not fully cover by my insurance. So it seemed reasonable that this was truly my debt. I called Sarma and asked if I paid this debt if they would take it off my credit report. I've called three different times and have spoke to the same agent each time, XXXX XXXX. The first time I called after asking for the deletion of the account from my report she 'they do not delete accounts ' and promptly hung up. I thought this was very odd since I have paid other collection agencies and they were more than happy to take my money in exchange for deletion. The second time I called she was extremely rude. She said that I should pay the debt then call XXXX XXXX and tell them that I paid and ask them to call Sarma and tell them to delete the account from my credit report. She abruptly hung up on me again. The third time I called I asked to speak with her supervisor because she was obviously not willing to help me. I was told that no one was available other than her. I simply want to pay my bill and have it removed.
Product: Credit card

An outstanding debt I owe to XXXX has recently been purchased by Orions Management Group, LLC. I received a call ( voice mail ) from someone at that organization on XX/XX/2017 - the person did not identify himself, but said it was urgent and that I needed to return his call same day. Later that afternoon, I received another call at work - again the same person did not identify the company he represented or state what the matter was about ; he left a voice mail stating that the message was for MY BOSS and asked him to have me return the call. First of all, this debt was incurred before I worked for my current boss. I do n't know how he got his name, but the fact that he called me at WORK and left a message for my BOSS infuriates me. I called back a little later and got the person 's voice mail. I told him to not ever call me at work or to call my boss trying to reach me ; I would report him to the Consumer Finance Protection Agency. He called me back while I was at an appointment and left a condescending, sarcastic message, stating he did n't know what message I was trying to convey and that he really did n't understand much of what I was saying. It was not a very nice message. Then, I received a letter in the mail SAME DAY regarding the debt. So the calls preceded the letter. I would not have minded just receiving the letter, but I feel the calls and voice mails were threatening and harassing.
Product: Credit reporting or other personal consumer reports

It has recently come to my attention that several new requests for credit have been submitted using my personal information. I am the victim of identity theft and fraud. My personal information has appeared in data leaks through XXXX and XXXX, and I have been notified that my information has also appeared on the dark web. 

The following accounts have been attempted to be opened in my 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 XXXXXX/XX/XXXX