23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX is a big fraud, I spoke with her over the phone on XX/XX/XXXX and she said she will send me a check of {$450.00} within two days but have n't recieved anything from her. I called her back on XX/XX/XXXX and she replied that she never said this to me. 

A complete lie. when I spoke with her on XX/XX/XXXX she clearly said that she has spoken with the employees of Capital one, and I do n't owe anything to capital one, and the amount which I had disputed has come up to {$450.00} with interest charges attached to it. 

But now she is saying a complete different story, Capital one does n't intend to pay me back for the fraudulent charges, what a shame. 

They are always saying two different things.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate personal information and negative accounts on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all XXXX bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am XXXX!!! 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 


In accordance with the Fair Credit Reporting act. XXXX, TransUnion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. These addresses do not belong on my credit report nor do these negative, delinquent, charge-off accounts.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX - XXXXXXXX XXXX XXXX XXXX-Under 15 USC 1692g . Validation of debts- Please delete immediately XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXUnder 15 USC 1692g . Validation of debts- Please delete immediately XXXX - XXXXXXXX XXXX XXXX XXXX-Under 15 USC 1692g . Validation of debts- Please delete immediately XXXX - XXXXXXXX XXXX XXXX XXXXUnder 15 USC 1692g . Validation of debts- Please delete immediately XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Validation of debts- Please delete immediately XXXX XXXX XXXX {$600.00} XXXX XXXX {$920.00}
Product: Mortgage

I have been trying to modify my loan with US Bank since XXXX. They refinanced my loan from a private lender but never issued a satisfaction of mortgage. Once I hear they had not disbursed funds for payoff I stop paying the loan and attempt to modify the loan since the value went from {$550000.00} in XXXX to {$290000.00} in XXXX.US Banks has ignore my requests for proof of disbursement of funds to the previous lender. I then attempted to short sale the property and US Bank would not approve short sale due to lack of satisfaction of mortgage. Their reason for not modifying loan since XXXX is " lack of documents ''. I have hired an attorney and behold she is having the same issues. They do not properly log in receipt of documents and are missing documents vital to my loan. They have handled this loan very poorly and it is my belief that they have been fraudulent in their reason for not modifying my loan. US Bank is NOW trying to force a foreclosure and evict me from my home where I have lived for 10 years. My daughter and her son lives with me and we will be homeless. 
When Hurricane XXXX did significant damages to my home, my insurance issued checks over {$50000.00} and US Bank has kept checks and has not disbursed any funds to me even though I paid out of pocket for emergency repairs totaling over {$20000.00}. They are using poor business practices when handling large sums of consumers money and their willingness to modify mortgages loans is unacceptable, especially when they are the root of the problems. They received XXXX of dollars from government bailouts and they have not passed those along to help suffering consumers. I would like have my complete file reviewed to inspect for fraud and improper handling of business documents and funds by US Bank. Additionally they have received my funds from insurance company for emergency repairs for Hurricane XXXX. They have yet to disburse any funds to me even though I spent out XXXX of dollars out of pocket. Please help me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I used the app Zip formerly known as quad pay as a third party payment processor. They issued me a reward voucher for {$20.00} and it expired on XX/XX/2021. I was not notified of this expiration in any way. I was wondering as a 1 time courtesy if it could be reinstated? However when I inquired the representatives were very condescending and trolled me with very long wait times. Seems their goal in life is to make me shout or prolong the issue because they do not know how to look up the rewards history on my account. I asked them for a list of all rewards to date and the expiration date but they were clueless how to find it. It still shows it when i log into the app. They got very nasty and demanded i take acreen shots etc. Refused to escalate or provide proper support. Your reps should be able to do the leg work looking up the rewards history, why do i need to take often unsecure screen shots? Please provide a history of all rewards to date that were offered and expiration dates. They issued me a reward voucher for {$20.00} and it expired on XX/XX/2021. I was not notified of this expiration in any way. I was wondering as a 1 time courtesy if it could be reinstated? Please answer in writing as I have a XXXX and can not respond by phone. I have been waiting 2 days for an answer from the 3 or 4 reps on online chat that refuse to escalate this to a supervisor or answer.
Product: Mortgage

XX/XX/2016 CFPB : The Chief Underwriter of TARP Funds Recipient JPMChase has Violated My FEDERAL Civil Right to Examine My original HUD-1 Settlement Statement of my JPMChase FRM Refinancing of my FDIC-Conserved LIBOR-Indexed ARM Loan, the day before the Scheduled Closing at XXXX XXXX, and, in fact, has NEVER let me examine it, when I had paid the {$2500.00} Refinancing Application Fee to JPMChase Mortgage Specialist XXXX XXXX XXXX. I need JPMChase to STOP Violating My FEDERAL Civil Right to Examine My original HUD-1 Settlement Statement, and, if I accept it, JPMChase and I are to Close, with Effective Closing Date being the Original Scheduled Closing Date. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Product: Debt collection

The debt collector for Capitol One bank ( XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because XXXX are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse them of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.SC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate delete the accounts below. 

DELETE HARD INQUIRY XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 
XXXX XXXX XXXX XXXX WITH A BALANCE OF {$27000.00} IS INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR. 

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Product: Mortgage

I reported my complaint to you back in XXXX and XXXX of this year about ditech not giving me my payoff for my mortgage loan .They responded to it with nothing but lies .the dates they gave you were phone calls from me to them about the same problem. I received two separate letters from Ditech stating they were checking into my problem and it would be thirty days befor they would respond. Well its now XX/XX/XXXX and still nothing from them .All I know is their filing for another chapter XXXX but will not return my request for my payoff.If I try and call I am put on hold for over an hour and half.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in a dispute letter for collection information on my Equifax credit report. Equifax sent a letter back asking me to send in additional information to prove my identity. I sent in that information and they sent me another letter stating they had reviewed the current address. The results are : - blank. Equifax has not updated the correct information on my credit file. This investigation and reinvestigation have taken well over three months. The listed collections have caused my credit score to go down and are causing me to be denied when I am applying for new credit. I would like for this information to be updated.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

The INQUIRIES listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These INQUIRIES were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the INQUIRIES removed from my file. 
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 XXXXXX/XX/year>
Product: Credit card

XX/XX/scrub> 2024 I received a call from bank by a staff speaking in behalf of president as a communicator without consideration for name error cited in email to staff of bank. Staff completely ignored social security number signature and altered name to match XXXX XXXX XXXX XXXX XXXX [ XXXX ] of XXXX language unlawfully applying forbidden sound [ XXXX  ] to english customer 's name of US national anthem The Star Spangled Banner. 

The bank issued the wrong account name in association with social security number signature. I cited error in email to bank. XXXX bank proceeded to call customer on date indicated from a prohibited single letter white star XXXX XXXX XXXX XXXX XXXX XXXX. [ XXXX ] against state issued clear XXXX letter given name [ XXXX XXXX ] and surname [ chief ] registered as a XXXX person with XXXX  master XXXX XXXX XXXX XXXX, XXXX XXXX [ XXXX ] of XXXX state of CA XXXX. I applied with correct XXXX letter abbreviation that stands for first name than surname with social security number signature. Website showed green box with white check mark symbol apon submission than XXXX XXXX XXXX XXXX XXXX XXXX staff rearranged name to XXXX letter name of XXXX XXXX XXXX XXXX XXXX XXXX ] or a single letter name abbreviation that stands for nothing after submission opening a error page with red font of passing grade symbol used against customer to forge denial letter in support of a XXXX XXXX XXXX without a state issued credit file. Customer has a perfect credit file issued by state government for being clear XXXX person of XXXX XXXX born in XXXX, and the United States.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Consumer Loan

I Advised arrowhead advance to not call my at my place of employment. They continue to call it time after time and argue with me on the calls when I advise them not to call me. It harassment and I can get fired for this.
Product: Credit card

I filed a complaint with all XXXX credit bureaus about Kovo XXXX XXXX. This account is not mine and was not opened by me. I have already filed an identity theft report involving this account. The credit bureaus have done nothing to help resolve this issue or remove this account, neither has Kovo.
Product: Vehicle loan or lease

On XX/XX/XXXX, applied for an auto loan but not with BB & T with XXXX XXXX XXXX ; however, I received a denial from BB & T that my credit score is XXXX ( correct ) and that : I have Serious Delinquency and Derogatory Public Record or Collection - not true. The only collection is an old medical bill that has been disputed several times and removed from Transunion. 

Proportion of Loan Balances to Loan Amount is Too High -  this is a bald-faced lie! ( See attached ).

Excessive Loan to Collateral Value - this is a bald faced lie. The car I thought I had purchased is a XXXX XXXX XXXX with only XXXX miles at a XXXX XXXX Book Value of {$22000.00}. This car was sold for {$18000.00} with a XXXX XXXX XXXX trade-in with a value of {$6000.00}. 

Excessive Obligations in Relation to Income - another bald-faced lie! ( See attached ). 
All my student loans are in forbearance and the bulk of them are on IBR with a $ 0 monthly payment. 

I have always had a problem with this bank even for opening a simple checking account. 

This consumer is requesting a fair assessment of my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a payday loan online. I was approved for {$470.00} dollars and never recieved the funds in my account. After weeks with customer service nothing has been done, and they even tried to charge my card for the loan. I discovered they had sent it to the correct account number but had messed up the routing number. I have provided them all the documentation they have requested from me, in order to prove they had made the mistake and I have called upwards of 30 times to the response " it is being looked at, but you are still responsible for this loan. '' Which seems illegal and is why I am having to reach out to CFPB for help on the matter. This was my first time applying for a payday loan and speedycash is in my opinion allowing people like me to pay for their mistakes, with no actual service from customer service.
Product: Credit reporting or other personal consumer reports

See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Disputed Transactions and Request for Resolution - Truist Bank Dear CFPB, I am writing to bring to your attention a concerning situation I have encountered with Truist Bank regarding a series of unauthorized transactions on my account. I hope that the CFPB can assist in addressing this matter and ensuring my rights are protected under applicable consumer banking laws and regulations. 

Account Details : Account Holder : XXXX XXXX XXXX XXXX Account Number : XXXX Bank Name : Truist Bank Description of the Issue : On XX/XX/XXXX, I discovered several transactions on my Truist Bank account that I did not authorize, nor were they made with my consent. These transactions, listed below, have left me deeply concerned about the security of my financial assets : XXXX. Dispute ID - XXXX Transaction Amount : {$2600.00} I immediately contacted Truist Bank to report these unauthorized transactions and requested a thorough investigation into the matter. However, the bank 's response has been unsatisfactory. They seem to believe that I am responsible for these transactions, despite my insistence that I had no involvement in them. 

Evidence of My Claims : I have substantial evidence to support my assertion that I am not responsible for these transactions. This evidence includes but is not limited to : XXXX. Surveillance footage or location data proving I was not present at the transaction locations. 

XXXX. Timestamps or other records that demonstrate I did not initiate these transactions. 

XXXX. Any correspondence, such as emails or text messages, indicating that I did not authorize these transactions. 

Request for Resolution : I firmly believe that, as a victim of fraud, I am entitled to a prompt and just resolution of this matter. I kindly request that the CFPB intervenes to ensure that Truist Bank conducts a thorough and unbiased investigation into these disputed transactions. I also request that the bank promptly refunds the full amount associated with these unauthorized transactions to my account. 

I would appreciate your assistance in expediting the resolution process to ensure that my consumer rights are upheld and that I am not held responsible for fraudulent transactions that I did not commit. 

Please let me know if any additional information is required from my end to facilitate this investigation. I am ready and willing to cooperate fully in this matter. 

Thank you for your attention to this serious issue, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased round-trip flight tickets with my Barclays credit card through a XXXX XXXX XXXX XXXX XXXX Upon returning home, I was shocked when I found an exorbitant charge on my credit card statement. XXXX XXXX claimed they had a reservation that was never finalized, supposedly for the same tickets. If I got the tickets on XX/XX/XXXX, why was I supposed to make a reservation for the same destination? It does not make sense. 

In XXXX, my Barclays issued a refund for the amount, but weeks later, they reversed it, siding with the airline 's claim. Interestingly, the report they provided for Barclays listed my husband as the credit cardholder, although he has no account with Barclays credit card company and is not authorized to use my card.

This situation feels fraudulent ; someone has misused my information, and I would like assistance to resolve this injustice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : 1. XXXX XXXX XXXX. ( XXXX ) XXXX. Dept of education/XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX  ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. DeptedXXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) has violated my rights. 

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

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information. 

No SSA-89 form for furnished information ( s ).