23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a balance transfer card with Citi on XXXX XXXX XXXXXXXX. I was approved, got email verifications and got my card. 

XXXX XXXX XXXX  I got a letter in the mail from XXXX XXXX with a brand new card asking me to activate now so I may use my card. I DID NOT activate that card. Instead I called XXXX XXXX to dispute and inform them that I did not apply for this card. They Said the investigation could take up to 60-90 and that in the meantime I was to fax them my social and drivers license, I told them I was not going to do that at all. They then gave me a case # XXXX. I asked for them to send me email verifications and I still have yet to see any of that. I also never received any emails about this account prior. 

Then the following day I received another piece of mail from XXXX XXXX XXXX  saying that they had denied by credit card account application due to to many inquiries. I connected XXXX and disputed only the XXXX XXXX, and then dispute the XXXX XXXX with XXXX. 

Last night I received an email from my bank informing me that my credit score had dropped XXXX points! I looked into my that and saw two most credit cards. I have not seen anything in the mail for those at this time. 


Here are all the cards that I did NOT apply for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As of this moment none of them are showing a balance.
Product: Mortgage

Letter to complain. 


Caliber Home loans is committing consumer fraud by using an inflated value for XXXX and refusing to modify my loan. I wrote several letters to the company and still no reply. they are not following RESPA. They have a date set and want to foreclose on a home that I want to keep. No fact finding was completed during the XXXX process and therefore the adviser did not have full knowledge of property estimate in the complex area. 
Please reply to this letter within XXXX days and investigate my complaint. Because in 2006 I was sold a sub-prime mortgage when in fact there was nothing wrong with my credit history and I had never been refused credit before. Please help me get help from HUD as well. My email is XXXXXXXXXXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX acc # XXXXon my credit reports with XXXX, XXXX, and TransUnion. The discrepancies in the reported data are substantial and have led to a misrepresentation of my credit profile. Furthermore, my account information appears to have been shared with collections without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified 1. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX 2. Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX 3. Payment History : XXXX : Was 30 Days Late 1 Time Was 60 Days Late 1 Time Was 90 Days Late 1 Time Was 120 Days Late 1 Time Was 150 Days Late 1 Time Was 180 Days Late 1 Time XXXX : Was 30 Days Late 1 Time Was 60 Days Late 1 Time Was 90 Days Late 1 Time Was 120 Days Late 3 Times TransUnion : No late payments reported Violations and Impact The discrepancies in the date last active, date of last payment, and payment history between the credit bureaus are blatant and damaging. The inconsistency in reporting late payments, with XXXX and XXXX showing extensive late payments while TransUnion shows none, highlights the severe inaccuracies. Additionally, the unauthorized sharing of my account information with collections is a violation of my privacy rights.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sharing of my account information with collections without my consent constitutes a breach of my privacy rights. This involves disclosing sensitive information to third parties without proper consent or authorization.
Product: Bank account or service

I was frauded by a XXXX. they called me to loan me money. We went back-and-forth negotiating amount, percentage and terms. They wanted to deposit into my personal checking account through my mobile app. I checked with my bank first and they said that if there 's anything suspicious they would send me a code by text to my phone number. of course I could always change my password. so they make the deposit I 'm not knowing in what fashion and it shows up in my account. The bank accounted for the deposit. The bank did not inform me that it was just photocopies of these checks. Photocopies of the front and back so the signature could be seen. XXXX made two deposits in this way in the middle the night and they showed up being accounted for in my personal checking account. again I was ignorant of the photocopy deposits. I was to wire back money to an account manager from XXXX which in their words was proving my checking account and identity. when my checking account was accounting for the deposits I 'm thinking well this could be legit. Five days after the first deposit was made, the first check bounced. The bank called me to inform me so I go down to close the account and I actually paid for the debit that was incurred by the bounced check from XXXX. I informed the manager which was the second check from XXXX. She initially said she of course would put a stop payment on that check. she then realized I paid the transaction by debit card and said that she could not stop payment. So firstly my complaint is that the bank was excepting an accounting for photo copies of checks in the middle of the night with forged signatures. it was very unusual actually never did I deposit checks through the mobile app into my account. The checks were made out to me and then forged with a signature on the back of my name. Obviously it was not my signature. I closed the account before noon on XX/XX/XXXX, The checks were forged, photocopies, and known fraudulent and the back still cleared the second check. thus it bounced. I do n't care if it was the transaction initiated by debit card she knew the company was fraudulent she knew the check was forged and she still cleared it. First Hawaiian Bank did not have basic security to protect me.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still items that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have a serious and legal matter with Navy Federal Credit Union. 

I have XXXX checking accounts with Navy Federal. a Personal bank account as well as a business account. additionally I have a business credit card with them that has a balance of {$18000.00} My business has been going through some tough times and is currently in the midst of a bankruptcy process.

Navy Federal has been taking severe advantage and illegal steps in stealing money from me.

As per my attorney, it is illegal for a bank to withdraw money from XXXX entity to pay debt for a different entity. 

my entity XXXX XXXXXXXX XXXX  is a complete different entity than my personal life. I deposited this morning money into my personal checking account which I desperately needed to make a payment and upon trying to make that payment I noticed that Navy Federal withdrew {$740.00} from my personal account as soon as the deposit came in without my authorization and without my consent or knowledge. 

they have done this to me a few times prior as well but not my personal account. they have withdrawn money from my business checking account without my consent multiple times to pay for my credit card ( even when I was just XXXX or XXXX  days past due and not seriously delinquent. ( according to my lawyer this actions may also be illegal and they are further looking into this for me and reviewing this ) however, to go into someones personal checking account and withdrawing money for a different entities/ businesses debt is highly against the law by all means and we will take every action possible about this if the moeny is not back in my personal checking account today. 

I understand if a business is in debt and owns the bank money. I understand there is also protocols in place for them and rules and laws to follow to retrieve back the debt. but to go ahead and make personal decisions for me with my money and proceeding with their own decisions on handling my money is highly highly unacceptable and illegal and I will push every button in the book to hold them accountable for this should my money not be back in my personal account today.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX/XXXX  XXXX
Product: Debt collection

They keep contacting me at my employment and I told them to stop. It is threating my job and my employer does not want debt collection calls on there phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Early Warning Services Account # XXXX MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ),
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to Transunion failing to remove/Block information in my credit file due to XXXX XXXX. I have provided Police report, XXXX  affidavit, FTC XXXX XXXX  report everything necessary to have accounts deleted from my file due to someone using my personal information and identity to obtain credit. I am reaching out to CFPB for assistance in getting this matter resolve. I can not believe how difficult this has been, I have provided every thing possible to have accounts removed. Do not understand why these accounts have not been remove. I did not open these accounts!
Product: Consumer Loan

Vehicle loan with Fifth Third Bank. I suffered a financial hardship and did a voluntary repossession of the vehicle. Fifth Third Bank sold the vehicle at auction. We then received multiple statements showing our balance was zero. Fifth Third Bank is now trying to collect {$4600.00}. We have disputed multiple times. Not I received notice from XXXX credit that the bank has filed a suit or judgement. 

XXXX/XXXX/2016 XXXX - Suit or Judgment New Suit or Judgment information has been added to or changed on your credit file.
Product: Money transfer, virtual currency, or money service

I want to formally express my concerns about how Zelle handles disputes, especially considering the recent CFPB lawsuit that highlights major issues with the platform. Despite using Zelle many times and reporting discrepancies, neither my financial institution nor Zelle investigated my claims properly. They told me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings show that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Bank of America has not applied full payments in the amount due that were made to my home equity account. I have been trying to get this resolved since XX/XX/XXXX with multiple calls to their customer service department. Each call ends with the representative acknowledging the error & stating that it will be corrected. To date it appears they have made the matter worse and my account now reflects over {$4000.00} in past due payments. All payments have been made as agreed and i am not sure what else to do to have this corrected. I had wanted to refinance my first mortgage but a requirement is to verify that the last 3 mortgage payments have been paid on time which they have but since this is not reporting correctly i would be unable to proceed. My payment history is below and i have attached the transaction history for this account from my online banking portal. 

XXXX payment amount : {$1500.00} paid on XX/XX/XXXX XXXX payment amount : {$1300.00} paid on XX/XX/XXXX XXXX payment amount : {$1100.00} paid on XX/XX/XXXX XXXX, XXXX & XXXX deferrment period XXXX payment amount : {$1600.00} paid on XX/XX/XXXX XXXX payment aount : {$1400.00} paid on XXXX Not only are they not applying the payments i am being charged interest on a principal balance which is incorrect. Your assistance would be greatly appreciated as this causing financial & emotional stress.
Product: Debt collection

Was collected by another collection company and resolved over a year ago, then another collection company started trying to collect the same bill
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONSTAR FAILED TO FURNISH US A LIEN RELEASE FOR SAID PROPERTY AND MUST NOW CEASE ALL CREDIT REPORTING AT ONCE.
Product: Credit card or prepaid card

I have the US Bank Cash+ Credit Card XXXX I have been not getting the Rewards Cash back as the company advertised. I fear there is likely intentional avoidance to prevent giving customers the correct amount of cash back. 

I have signed up for the correct categories on the US Bank signup page. I should to be getting 5 % cash back on TV, Internet , & Streaming Services on my credit card. There have been multiple instances where US Bank has refused to give my the 5 %, instead defaulting to 1 % for no reason. I have such obvious merchants that US Bank lists on their website as being supported : XXXX, XXXX, and XXXX XXXX XXXX that there is no reason I should be having any issues. 

There have been instances where XXXX XXXX  XXXX was given 1 % and 5 % cash back. This could not have happened since there was no change in billing and the information has come through the exact same. Additionally, I have never received 5 % cash back on XXXX or XXXX, only " qualifying '' for 1 % cash back for billing with two of the largest merchants in streaming. I pay my bills through them directly and should have absolutely no issues. 

US Bank claims may claim that these " discrepancies '' are because of codes that the merchant uses. If that is the case for XXXX, XXXX, and XXXX XXXX  XXXX then I am wondering if US Bank is defrauding thousands/millions of customers either intentionally or due to their faulty system. Again, I will repeat that these merchants are listed on the US Bank website directly when signing up for these cash back rewards. 

I am demanding that US Bank looks at each of my changes, adds to my rewards balance what I am owed, and then continues to categorize correctly indefinitely. I then demand that an independent consumer watchdog launches an investigation into US Bank 's fraudulent activity to ensure that they are not defrauding their customers with this obvious ploy to pay out less in credit card cash back rewards.