23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

A Friend of mine gave me this Debit Master Card for a present. It has {$25.00} on it. To activate you have to call this number XXXX, but when you want to activate it they want your SS and Birthday. If you do not want to give that they told me they 'll send me a check again they wanted all kinds of info plus they where going to keep some of the money. Not sure it trust them. The card is throughXXXX by XXXX. Lady did not speak English well.
Product: Debt collection

I have received repeated automated phone calls ( robocalls ) for several months from a company that identifies itself as the Law Office of Arnold Scott Harris PC, debt collectors, and asks to be called back at XXXX. The calls originate from XXXX. The message does not state any name of the supposed debtor. I do not owe anyone any money and I want the calls to cease. Posts on the internet from other victims say this is a scam and that the Illinois Attorney General has declined to prosecute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The acct is not reporting correct information to my credit file- this is not my acct and this is causing issues with my credit file and score.
Product: Credit card

I got an American Express Platinum card which promised XXXX membership rewards points upon spending {$3000.00} in 3 months. I met the spending on the card and I was awarded the XXXX membership rewards points. Upon receiving the points I redeemed the XXXX points for travel. After I redeemed my points, American Express took my points back and now I am sitting at XXXX points. I got a letter from American Express that I redeemed my points too soon and that is why they took the points back. This is not part of the agreement. Because of this issue whatever the points I earn through platinum card purchases will go to the negative balance of the points. American Express should provide my points back as I met the minimum spend as mentioned in the agreement.
Product: Mortgage

Seniors should be especially wary of doing business with this company.The Union Bank  may publish a meaningful disclosure of credit terms, a requirement of Truth in Lending, but the Bank utilizes a non-standard accounting system, inconsistent with American Accounting Standards because it allows them to open multiple accounts in your name in which to hide false filings ; and facilitates undocumented false demands. False charges are hidden there in small print. A {$600.00} charge for an appraisal is hidden in one of three accounts opened in my name ( without Notice and Agreement ) when no appraisal had actually been done. That happened months ago, but they still have not rectified the charge. This is a super greedy company. seniors beware! seniors should not do business with this bank unless they are experienced in dealing with rogue banks.
Product: Vehicle loan or lease

IFS ( Infiniti finances ) is denying 3rd part buy outs. Nowhere in the contractual agreement does it specify that this can not be done.
Product: Debt collection

Transworld Systems XXXX XXXX. 

Re : Cease and Desist - Incorrect Debt Dear Transworld Systems, I am writing to dispute and demand immediate cessation of collection activities regarding the alleged debt referenced above. This debt does not belong to me, and I request that you : XXXX. Immediately stop all collection efforts. 
XXXX. Remove this debt from my credit report. 
XXXX. Confirm in writing that this debt is cancelled. 


This is not my account and has been confirmed multiple times Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX et seq., you are prohibited from : - Collecting or attempting to collect a debt that is not valid ( XXXX ). 
- Failing to provide verification of the debt ( XXXX ). 
- Continuing collection efforts after receiving a dispute ( XXXX ). 

Consequences of Non-Compliance : Failure to comply with this Cease and Desist demand may result in : - Filing a complaint with the Federal Trade Commission ( FTC ). 
- Pursuing damages under the FDCPA. 
- Reporting inaccurate information to credit bureaus. 

Please confirm receipt of this letter and notify me of any further actions. 

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

I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

When I reinvestigated my credit report, I see that same information was erroneous. The XXXX credit bureaus are required to validate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts listed below : DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Rejection Letter for rental apartment. The leasing agent told me her company had nothing to do with decision for rental apartment. But XXXX stated in letter to me that property management make final decision for rental approval. I did not receive credit score from XXXX XXXX XXXX or property management. By the way I believe XXXX is a subsidiary of XXXX XXXX XXXX. So basically, they are working together. And XXXX XXXX XXXX, is what the management used to evaluate prospective tenants. 

Then the management used Experian for collecting the data on my accounts. 
Horrible decision : Experian had collected 70 % of misinformation, inaccuracies, and accounts not belonging to me. 

On the report many things were incorrect. 
I emailed the management my job offer letter, which did no good because it was not calculated with my other income sources, to determine if I could afford the apartment. 
Also, other sources of income amount were not correct and outdated
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccuracies on my Experian credit report ( Report # XXXX ) related to personal information and an unauthorized inquiry. 

Incorrect Name and Address : My correct name is XXXX XXXX, but Experian is reporting XXXX XXXX XXXX, which is incorrect. Additionally, my only valid address is XXXX XXXX XXXX XXXX, XXXX, IA XXXX, yet XXXX XXXX XXXX is incorrectly listed. I do not live at this address and can not receive mail there. 

Unauthorized Inquiry : There is an unauthorized hard inquiry from XXXX XXXX XXXX  dated XX/XX/year>. I did not apply for credit with this company or authorize this inquiry. 

I have disputed these issues multiple times directly with Experian, providing the required documentation ( drivers license, Social Security card, and utility bill ) to verify my identity and address. Despite this, Experian has failed to correct the inaccuracies. 

Experian is in violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure that all information in a credit report is accurate and verifiable ( 15 U.S.C. 1681e ( b ) ). Additionally, they have not removed the unauthorized inquiry, which violates 15 U.S.C. 1681b of the FCRA, as I did not give consent or apply for credit with XXXX XXXX XXXX 

I am submitting this complaint through the CFPB because Experian has failed to resolve these issues after multiple attempts. I am requesting that the incorrect name and address be removed, the unauthorized inquiry be deleted, and an updated credit report be sent to me confirming these corrections.
Product: Student loan

On my credit report I see multiple student loan account showing and they all show late payments. This information is wrong because I did not have multiple student loan accounts and I have also NEVER been late on any payments in my life. I have tried to fix this issue with each credit bureau as well as with the loan company multiple time but the issues are still not fixed and are negatively affecting me in my journey to first time home buyer. I have worked really hard over the years and this incorrect information is making my life 's work seem pointless as its stopping me from moving my family into a promising neighborhood in our own home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX, nj XXXX I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have my permission, I have the accounts listed below. These inquiries have no permissible purpose to be on my credit report.I wish to have these inquiries deleted, due to violation of 15 USC 168 1b. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I have requested my hand written signature from these companies and no one have mailed me any papperwork that i signed
Product: Mortgage

On XX/XX/2019, I was emailed a letter of suspension for a mortgage I had applied for with DHI mortgage.The suspension letter contained a listed of documents I would need to provide in order for a credit decision to be made on my file. Some of the documents had previously been provided but one in particular required I visit the county clerks office in a different area of the state. 

My suspension letter includes a required timeframe to produce the documents of 5 days. It was also suggested to me verbally to shop some other lenders who may have different approval requirements. I then arranged to take a vacation day from work to drive to the clerks office but also began to shop other lenders. 

On Tuesday XX/XX/XXXX, I was notified by another lender that they could approve my loan with different requirements. I immediately requested my FHA case number to be transferred, DHI replied that they would transfer the loan, no other information was provided. 

On Wednesday XX/XX/XXXX, I was notified by DHI that I had to pay {$700.00} before my file could be transferred to my new lender for an appraisal. I had not been notified of a completed appraisal nor had my agent or anyone outside of DHI for that matter, no signed reciept for the appraisal had been made by my agent. At this point there was actually serious concerns about the loan being funded at all, yet the appraisal was not postponed. Regardless I delivered the check to the builder in the early afternoon. 

Approximently 20 minutes after delivering the check for the transfer I was sent an email that I had not met the required conditions from my suspension notice for approval and had been officially denied. I was notified by DHI that they had actually sent my file back into underwriting without the required documents needed in the suspension letter. In a later email I was also told that the document that underwriting had requested were different than what was included in my suspension letter. My letter asked for a payment transcript but the underwriter had requested a verification of mortgage. 

DHIs suspension letter states that if I do not provide the required documentation within 5 days that no loan decision could be made. Yet in an email the loan officer stated that the file had been re-submitted ( without giving me the opportunity to provide the documents ) and a decision had been made. 

I believe that DHI prematurely made a credit decision without the required documentation as retaliation for changing lenders.

DHI reported a FHA case denial to HUD without giving me the opportunity to even produce the documents needed to make a credit decision, when I decided to use a different lender, all but sealing my fate for a complete denial of an FHA loan.
Product: Debt collection

I noticed a debt appearing on my XXXX, XXXX XXXX XXXX account number XXXX, which I believe is not mine. Upon reviewing the account details, I found that the debt listed was associated with an account that I did not open and for which I did not give any consent.
Product: Checking or savings account

On XX/XX/2023 I opened an account with Truist. I deposited {$1100.00} into the account. Later on that Day I XXXX a person some money, a few days later I seen that the account was locked. I goes to a branch too see why was it locked. They said that it was due to fraudulent activity on the accounts when I never used it but once. Its been almost 4 months since I have been without my money.
Product: Credit card or prepaid card

I'm currently being garnished for a credit card that I have no idea ever existed. The attorney XXXX, XXXX and XXXX was sent a letter asking for information about the credit card and they never supplied that information to me. I ask for a copy of the signed contract and a complete forensic accounting they used to calculate the debt. To this day I have not received any information regarding the account. They have not provided me any proof of any account existing in my name. Court documents show an account number that was whited out with a completely new account number written over it. No Contract included or any validation of any debt amount or when the contract was signed. This is fraud on behalf of LVNV funding and it's collecting arm Resurgent Capital Services attorney XXXX, XXXX XXXX XXXX 

What I've requested from Resurgent on XX/XX/21 was : -signed application -the entity suing me purchased the right to collect on the debt -the balance claimed as being due is calculated properly -the loan has not been rendered unenforceable due to the expiration of the statute of limitations
Product: Credit card

I notified American Express of my situation with the merchant XXXX  regarding an order I made for XXXX on XX/XX/XXXX I attempted to reach out to the seller upon receiving the wrong items which I will provide receipt and actual items I received were provided to amex they were glasses and a backpack I had not ordered which is insane how they mixed that up. I contacted American Express to handle this issue for me as I feared of being left with nothing after 60 days of my order being placed which is outside of the chargeback rule. Amex originally sided with me which was the logical case as XXXX made no attempts to communicate with me or try to mediate and for some reason reversed the decision? I am baffled as to why as according to the law they cant make me pay for something I didnt order or return the merchandise they sent ( which I was as Im acting in good faith ) I explained to them that I will gladly return the items so long as Im not responsible for shipping and duties as American Express said the company requested me to. I reached however and they told me it was outside of their return window? So Im just left with nothing? Thats not how the law works and American Express isnt acknowledging that. They were supposed to take care of this for me which is why I involved them in the dispute as the merchant never reached out. I had to reach out because American Express told me they told me to return them and nothing. They provided their return policy which doesnt apply to me because they didnt respond to me within that timeframe?!? So I got Amex involved to provide me help and they sided with them? Theres countless other horror stories on their reviews as well. Please help this is a lot of money to me I got an American Express card because of the reviews of how they help their customers and Im over here out of XXXX because of the merchants fault hopefully this can cause them to reverse their decision and act according to the law. They clearly acknowledged Im in the right but their hands are tied? Im including the letter. Thank you for your time
Product: Credit reporting or other personal consumer reports

I am deeply concerned and frustrated to discover numerous fraudulent accounts tarnishing my credit report, seriously jeopardizing my creditworthiness. In my pursuit of securing a home for my family, these unwarranted entries persist despite multiple attempts to have them removed. Compounding the issue, my information was compromised in both XXXX and Equifax breaches, eroding my confidence in their ability to safeguard my consumer report. I believe this situation violates my federal rights under 15 U.S.C. 1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), and I am distressed by the emotional and mental toll it's taking. I have reported these issues to the local police department and the Federal Trade Commission, emphasizing the illegal disclosure of personal information to third parties. If these damaging entries are not promptly addressed, I am prepared to pursue legal action to rectify the inaccuracies in your database.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records.

I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau.

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX at XXXX I called Bank of America and asked the customer representative about the transfer mobile feature. I specifically inquire about canceling a mobile transfer if I wanted to do that do to that and getting my money back from the transfer of funds. She told me I can cancel the transaction and obtain my money if done within 14 days. She also assisted me in helping me complete the mobile transfer. She was very nice. 

The reason why I called the bank was because I was making a transfer for an online transaction that I know it can be scam. Because of the answer I received from the bank 's customer service representative when I called, I decided to proceed with the transaction. I felt comfortable that I would be able to cancel the transaction at anytime within 14 days if it was fraud. 

I called back the bank at XXXX ( shorly after XXXX ) to cancel the transaction and obtain my funds as I was under the impression that this was officially a scam. Now I am told that I can not get my funds and that they are gone. 

Please go back and retrieve the recording. Again, I called the bank and the bank told me something and now it is telling something else. I think the bank should conduct an investigation, listen to the recordings and find out how I was given wrong information that consequently, resulted in me making the transfer. 

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXXDEPT OF ED XXXX XXXX : {$9000.00}
Product: Mortgage

Please see CFPB Case #  XXXX ,  XXXX  and  OCC Case  #  XXXX .   In  XXXX ,  Wells Fargo Bank ( WFB )  provides a refund on monies they stole under a previous case.  WFB fail s to provide an answer to my complaint in  XXXX . This is another example of the arrogance of WFB. Heres a summary of my original complaint th at WFB  arrogantly has failed to answer : Please see case number  XXXX  as it relates to this new complaint. I received telephone calls from  Wells Fargo  Bank on  XXXX / XXXX /  XXXX   from  XXXX  at  XXXX   XXXX  and on  XXXX / XXXX /  XXXX   from  XXXX  at  XXXX   XXXX  and  XXXX   XXXX . I was able to answer the call on  XXXX / XXXX /  XXXX  . When I answered the call the caller advised that he was calling from a " recorded line. '' The caller 's name is  XXXX   XXXX ,  Executive Resolution Specialist with Wells Fargo  Bank. I advised  XXXX   XXXX  that I did not want to be recorded. He responded that he could not stop recording my call. I advised that the statute  ( Cal. Penal Code 632 )  in California regarding confidential communications was clear and that both parties had to consent to the communication being recorded. He again advised he could not stop recording. I told him that I specifically was NOT consenting to the call being recorded. It appears I can not speak with someone at  Wells Fargo on the telephone regarding confidential matters without being recorded. I believe Wells Fargo is v iolating the California statute regarding confidential communication recording. I specifically declined to the recording while on the call with  XXXX   XXXX . I did continue the call as there was no other option to resolve the matter in the above referenced complaint via telephone without being recorded. It appears I can not seek remedy under the previous CFPB complaint without consenting to being recorded. I am asking that the CFPB compel and orde r Wells Fargo  Bank to comply with the confidential communication recording statute in California. In  XXXX  #  XXXX ,  WFB ad mits they violated the law by recording my telephone conversation ( see attachment to Case #  XXXX . ) I would like  WFB to  address the complaint in Case #  XXXX  and provide a response.