23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, I hope this email finds you well. My name is XXXX XXXX, and I recently had an unfortunate experience while attempting to apply for a construction loan with National Bank of Arizona. 

Upon visiting your website, I was pleased to find information indicating that construction loans were available. Eager to proceed, I promptly filled out the application, providing all necessary paperwork and personal information. 

To my disappointment, within two days, I received a call from a Mortgage representative who, regrettably, demonstrated a lack of professionalism and rudeness. I was informed that the bank does not provide construction loans for investment purposes, contrary to the information on your website and the details provided during the application process. 

Despite our attempts to explain the inconsistency between the website information and the representative 's statements, the call was abruptly ended. This experience has left me frustrated and confused, as the miscommunication has impacted my plans.

I understand that policies may vary, but I believe it is crucial for the website information to accurately reflect the bank 's offerings to avoid any misunderstandings or inconveniences for potential customers. 

I kindly request a thorough review of your website information and clarification on the availability and terms of construction loans, specifically for investment purposes. Additionally, I hope to receive guidance on how such discrepancies will be addressed to ensure a smoother experience for future applicants. 

Thank you for your prompt attention to this matter. I trust that National Bank of Arizona is committed to maintaining transparent and reliable communication with its customers. 

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

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

Account 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 XXXXXX/XX/XXXX
Product: Mortgage

XX/XX/18 ... P B Financial Group Corp. ordered a UNAUTHORIZED credit report through XXXX XXXX XXXX XXXX. I was seeking a private 3rd mortgage refinancing through a 3rd party broker XXXX XXXX who is noted on attached email communication documents where I clearly stated to him that I was NOT authorizing ANY credit report inquiries by anyone relative to this loan process. I did NOT sign, nor AUTHORIZE PB Financial Group Corp. to run my credit report per their attached UNSIGNED by me ( XXXX XXXX ) Borrower 's Signature Authorization, which was witnessed, and stated in writing by ( attached ) email/text communication between myself ( XXXX 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 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, credit repair services, or other personal consumer reports

Investigation from XXXX XXXX  resulted in the deletions of multiple unauthorized inquiries ( referenced in picture attached ). Letters sent via mail ( most recent attached ) requesting the deletion for unauthorized inquiries receiving no response, from the bureau. Another request to investigate on the same matter sent XXXX so far has also gone without response.
Product: Mortgage

XX/XX/21 and XX/XX/21 resubmitted documents concerning loss mitigation and unemployment award benefits. I XXXX XXXX use the email that was provided to me by Freedom Mortgage.
Product: Checking or savings account

Called Citibank customer service on XX/XX/22 to unlock my online bank account after having difficulty logging in for the past few days. The representative informed me that my account was closed on XX/XX/22 as Citibank decided to terminate their relationship with me as a customer. Of note, I recently opened a Citibank basic checking account on XX/XX/22 to get a lower interest rate while I was applying for a mortgage loan. I only made XXXX transactions after opening the account - one to wire {$56000.00} from my personal XXXX checking account and another to make a payment for my utility bill. The representative could not provide a reason for this decision and told me to wait for a letter in the mail with more information about this matter. A week had passed and I still did not receive anything in the mail. I went to a local Citibank branch in XXXX, CA to follow up on this matter in person. The manager at the branch informed me that the funds in my account were currently locked and unaccessible. He could not further assist me with the matter and told me that I should expect to receive 2 letters in the mail which could take up 60 days. The first letter would involve informing me that my account was closed and the second would include instructions on how to access my funds ( most likely a check ). It has been almost 3 weeks now since when my account was initially closed and I still have not received any letter.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately :
Product: Credit reporting or other personal consumer reports

I am writing to regarding the persistent presence of fraudulent items on my credit file despite my numerous attempts to have them removed. Despite several efforts and the submission of substantial documentation to support my claims, these fraudulent items continue to negatively impact my financial standing and credibility. The ongoing presence of these inaccuracies is not only frustrating but also detrimental to my financial well-being. It is imperative that immediate action is taken to rectify this situation. I expect a comprehensive investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Furthermore, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$840.00} ; XXXX XXXXXXXX XXXX Owed : {$7300.00} ; XXXX XXXXXXXX Balance XXXX : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Product: Credit card or prepaid card

In late XX/XX/XXXXand early XX/XX/XXXX I was the victim of fraudulent charges on a number of my accounts perpetrated by XXXX XXXX XXXX of XXXX TX. XXXX is now in custody, but at that time was living as a guest with my son in XXXX TX. My son asked XXXX to leave, and was subsequently robbed and vandalized by XXXX in retaliation. Included in the items stolen was a computer that belonged to me. XXXX used that computer to make purchases without authorization. Included in those purchases were eleven transactions for XXXX purchases charged to my Chase card in the amount of {$1300.00}. Other charges were also made on other accounts and to XXXX XXXX XXXX for equipment ordered, but this complaint is against Chase Bank Card Services who initially reversed the charges, but subsequently reapplied all charges with the reason " You received benefit from this transaction ''. 

We did not receive any benefit whatsoever from these transactions. We believe that the items ordered were shipped to my son 's address where XXXX had been staying, and were intercepted by him ( along with other items not charged to Chase ). 

In XX/XX/XXXX I filed three complaints against XXXX XXXX XXXX : XXXX TX Police Department -- Police Report Federal Trade Commission -- Identity Theft Report Federal Bureau of Investigation -- Internet Crime Complaint As I already mentioned, XXXX is now in custody in XXXX County.
Product: Debt collection

Name : Professional Debt Mediation , Inc . 
Addres : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Original Creditor ( ALLEGED ) : XXXX XXXX High BalanceXXXX Date opened : XX/XX/XXXX Date Reprted : XX/XX/XXXX Here are supporting facts by law of the federal corporate United States as defined Title 31 3123 28usc3002 ( 15 ) a FRNs are obligations of UNITED STATES : HJR 192 Title 18 8.

Established in 1933 under H.J.R. 192 and exercised by actors, agents, and fiduciaries of every commercial transaction by commercial banking institutions since that date with the Abrogation of the Gold Clause Senate Document No. 43, 73rd Congress Congressional Record, March 9th, 1933 on HR 1491, p.83 As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States XXXX and/or its designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for me to be held liable for government obligations.
Product: Credit reporting or other personal consumer reports

Dear Equifax Why have I received another letter from your company stating that the accounts listed below were verified? 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX | XX/XX/XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX  | XX/XX/XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

You told me to contact the furnisher and I did. You told me to go to the original source and I did, but they are not doing what they are supposed to do. Im getting quite stressed here. Im really thinking about contacting a consumer rights attorney to protect my rights because your company and the creditors are not investigating and reporting data 100 % accurately. There are credit reporting laws put in place to make sure your company is doing their job. Thats right I read this on the FTC website. I wont be a victim anymore. Im telling you that Im ready to move forward with this matter. I will do whatever I have to do if the above accounts are not fixed. 

Im asking your company to do the right thing so this issue does not end up my attorneys office.

CC : CFPB, FTC
Product: Debt collection

XXXX of XXXX and XXXX NJ is coming after me for a debt we went to Supreme Court In XXXX XXXX NY in XX/XX/XXXX. THEY were not awarded the judge ent and they are also a third party collector for a debt that goes back to XX/XX/XXXX? 
They sent me another letter this week demanding all my personal info including banking, car and mortgage! I was horrified and did not provide it to them! 
What should I do???
Product: Credit reporting or other personal consumer reports

In referenced in XXXXXXXX XXXX  XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items
Product: Mortgage

every 3-4 months they said they haven't received my payment, but I think they hold a certain number of them so they can get late fees. We own many properties and send the mortgages via billpay. this is the only one that occassionally " doesn't receive payment '' This occured for the XX/XX/2020 and XX/XX/2020 payments. 
In addition, your account isn't real time so if you send in a payment you don't see it reflected until THE NEXT MONTH. There should be a class action suit against them so we can look at their books and see how many people they are doing this to. Also, I think they may be stealing escrow money because I balance my books ( yes accounting nerd ) including the escrow on my mortgages and guess what. This is the only one that says they didn't receive the bill. The loan is in the company name of XXXX, XXXX, but I as the owner have a XXXX credit score so you can see that I pay my bills on time. 

I would like for the XXXX and XXXX late fees to be reimbursed and and the fee to pay online be reimbursed.
Product: Credit reporting or other personal consumer reports

I have recently review my credit report and noticed that several discrepancies are reporting. My personal information and various addresses that do not belong to me. A citi card inquiry made in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was one of the victims that bank of america took money from. Frozen my account then re opened it with a XXXX balance. havent even even got what is close to the ampunt owed to me from XXXX til now still waiting.
Product: Credit reporting or other personal consumer reports

My previous letters highlight your many violations of my consumer report under several consumer laws. Your recent response displays your company Midland Credit Management as a habitual and arrogant violator of law as you admit that Midland Credit Management perseus Conclusive presumption of worthless debt once it has been declared a Write off or Charge off under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ) .Your company Midland Credit Management has violated my rights as a taxpayer to report income to the IRS under the Taxpayer Bill of Rights and Federal tax law Internal Revenue Codes of 1986 ( IRC ) .The Consumer laws are as follows 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Definitions and rules of construction, 15 US CODE 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) Obligations with respect to disclosures of personal information, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].
Product: Credit card or prepaid card

On XX/XX/2020 I received a notice from Social Security advising that my request for new user name on my account. I did not make that request. I notified them by phone that this was not done by me. I then got a call from Capital One about a credit card application. I did not make an application with them. I called them and they marked the account as fraud and advised me to notify XXXX, which I did. They noted the fraud attempts on my account and provided me with a credit report. The credit report looks correct. Today XXXX card called me about another application for credit, but they saw the fraud notice on XXXX and denied the card. They advised me to notify FTC as to this fraudulent activity in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX improperly performed an inquiry without my authorization.
Product: Debt collection

I recently checked my credit report and I noticed some inaccurate accounts reporting in the total of XXXX. The account opened 4 months ago Ive had XXXX XXXX since XXXX and XXXX since XXXX  year.
Product: Checking or savings account

I recently opened an online savings account with Vio bank. I requested transfers from my XXXX checking account to Vio for the following amounts : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} I then received a notice that my checking was overdrawn because another transfer was requested on XX/XX/XXXX for another {$25000.00}. 

I then received a Vio email that yet another transfer was unable to process on XX/XX/XXXX in the amount of {$5000.00}. 

These additional transfers have overdrawn my XXXX Checking account and put me at serious risk of not being able to pay my bills. 

I asked Vio bank to stop the excess transfers and they told me they would need to open a dispute which could take up to 90 days. 

I finally put a stop payment for the excess {$25000.00} with XXXX that cost me a {$30.00} fee. 

I don't know if my account was hacked or how the excess transfers were initialized, but they were not done by me.
Product: Credit card or prepaid card

I have an ongoing dispute with Wells Fargo for fraud. In XX/XX/XXXX my card ending in XXXX was used to make fraudulent purchases at XXXX XXXX and XXXX XXXX XXXX. Wells Fargo continues to state the charges are valid and they are not. Yes I have had fraud on my Wells Fargo credit card in the past. The only fraud that was investigated thoroughly was made at XXXX and XXXX in XXXX. The police did a thorough investigation of this charge which is attached. It indicates surveillance from the store showed a XXXXXXXX XXXX using my card at the register. Then again in XX/XX/XXXX I had 2 fraud charges to XXXX  by XXXX XXXX for XXXX and XXXX. I have alerts set up on my account for any charge greater than {$100.00} and received an alter for these transactions. I contacted Wells Fargo and I believe they declined the charges but am not certain. 

Wells Fargo is in essence attempting to accuse me of making charges and reporting them as fraud and filing false police reports which is against the law. They harass me when I call and say things like 'you have too many fraud charges '. 

All I can say to that is yes I have had fraud on my Wells Fargo account. I've asked them to send me video survellaince from XXXX and XXXX XXXX  to prove that it was me that made the charges. They claim they can not do that. Most police departments don't seem to take fraud seriously. I was fortunate that the XXXX XXXX  did a thorough investigation of the XXXX XXXX  XXXX fraud charges. 

Wells Fargo is harassing me claiming I made the XXXX and XXXX XXXX charges. I nor anyone in my household or anyone known to me made these charges.I. can't even drive so I could not have made the charges and even went to the extent of providing HIPPA protected medical records to show the vision issues Please get them to stop.
Product: Mortgage

When I received my VA mortgage I was told that I would need to pay my Flood insurance premium one year in advance. approx. {$1700.00} which I did. Mid America Mortgage escrowed that amount and refused to reimburse me. Mid America claimed a shortage in my account and raised my monthly mortgage escrow by some {$300.00} even though my taxes were reduced, my flood insurance had been reduced and my homeowners did rise by {$100.00} per year. After refusing to help me regarding this problem, I changed mortgage companies. Mid America Mortgage still owes me {$720.00} remaining in my escrow account after paying off my mortgage. Mid America Mortgage refuses to send my remaining escrow to me. This is Theft!! 
Please help me resolve this matter. 

XXXX XXXX XXXX XXXX Mortgage account number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly reached out to Sezzle company who advised me that I do not own any balance or debt. I have constantly disputed this account and balances and inaccuracies reporting. This has yet to be closed out and removed off of my credit report. I have emails of this account being no longer exists or any amount due.
Product: Credit reporting or other personal consumer reports

We have a credit freeze w/TransUnion. Friday, starting at about XXXX XXXX  I tried to lift the freeze using their online system while I was online with a merchant. After I logged in, their website sent a code to my email address. After about 5 minutes ( did not time the wait ), since there was no " resend '' option on the web page, I closed the web page and attempted to login again. This time, I timed 10 minutes and when I had not received an email, I tried to login again- the THIRD time, with NO prior warning, I was told my account was locked. The web site gave a phone number to call ; but the office was closed. 

I sent them a message on XXXX, and received back a pointer to their website and a indication that I would get a response within 72 BUSINESS HOURS. 

25 minutes after the initial request for a code, the code showed up in my email. Message headers indicate the message was not SENT until 22 minutes after my first login attenot. 

Saturday morning, I tried to log in again ; but the account was still locked. I spent 15 minutes on hold and then was disconnected - I'm now on hold again.
Product: Debt collection

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your  claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.