23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXXXXXX
Product: Credit card

For the second time this year someone has tried to open a credit card through citi bank in my name. One went through and this time it did not but clearly someone has my information and trying to open things. I am not sure what to do besides file through here.
Product: Payday loan, title loan, or personal loan

It was very clear that its pay day. And then they will check credit. Im not afraid if they do but it was clearly stated on their website the requirements. misleading the consumer and causing anxiety. They should have taken and put that they will credit check instead of fooling people. 

This kind of abuse to consumer should stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX credit file dated XX/XX/XXXX, & XX/XX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Product: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding jail handling disputes, particularly in the light of the recent CFPB lawsuit highlighted significant issues with the platform despite using Zelle numerous reporting discrepancies my financial institution Zelle failed to investigate my claim adequately. They inform me that recovery was impossible, and the transaction was unfeasible. The findings indicate that they neglected to protect consumers, but has also a lot of people to exploit the system, leaving Users vulnerable to scam. The lack of accountability And transparency Raises concerns For consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

American Advisors Group ( AAG ) fails CFPB compliance ( concrete evidence have been witnessed by current/former employees over the years and ongoing ) : Does NOT serve the mortgage lending needs of American seniors in an ethical manner. 
Does NOT treat all seniors equally. 
Is NOT honest with seniors. 
Does NOT give full disclosure about all terms and conditions of the mortgage loan during sales process. 
Instruct loan officers to mislead and manipulate seniors, and use knowledge to take advantage of seniors. 
Does NOT adhere to CFPBs code of ethics or XXXX XXXX XXXX XXXX XXXX ( XXXX ) s guideline.

Dishonesty and No Integrity : AAG management members conduct business in a manner reflecting systematic bullying, dishonesty, dishonor, and no integrity. 

Personal Misconduct : AAG loan officers mislead and manipulate unsuspecting seniors in signing up for reverse mortgages without disclosing all loan terms. Loan officers are instructed by management to lie, manipulate, and deceive seniors. Those of us who raise questions about AAGs steering behaviors and misleading information or speak out against the companys unethical and illegal business practices are placed on administrative leaves or have been fired due to fictitious reasons. 

Dishonesty in Advertising : AAG provide misleading information in their advertisements and solicitations. The TV ads by XXXX XXXX and mailed flyers to seniors asking them to call in for a DVD, but in reality loan officers are trained to persuade and manipulate seniors to sign up for reverse mortgage when they call in. The DVD is just a bait and switch sales technique. 

Non-Compliance with Law : AAG is an unethical company that has been scamming seniors with reverse mortgage under the protection of the Federal Housing Administration ( FHA ). They bride employees to go online and give glowing reviews on XXXX and XXXX, but in reality many employees are being bullied and harassed by management. AAGs business values are contradictory to their business practices. AAG training and workplace environment reflect systematic bullying, manipulation, and deception at the lowest to top management levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report display closed accounts To have a negative impact on my credit profile Ive asked that these accounts be deleted if closed and paid off to avoid loss of points on my credit score The account is XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX  Status Paid, Closed. 
Status updated XX/XX/XXXX  Theres no reason to keep this inquiry on my credit profile when Ive asked to remove it They said it has been validated which I didnt disagree to the validity but this is no debt owed So there is no reason to continue to display it
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my TransUnion credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX These XXXX accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.
Product: Checking or savings account

This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions to take place in my account after I had everything put in place due to identity theft, to prevent this -- specifically accounts were deactivated and disabled. ( 86 ) unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. 

As Follows- In Order : -- XXXX Overdraft Fee for a Transaction Posted on XX/XX/XXXX. {$98.00} Purchase- {$35.00} -- XXXX OD Account Transferred to XXXX. - {$400.00} -- XXXX Overdraft Fee for a Transaction Posted on XX/XX/XXXX {$98.00}. - {$35.00} -- - XX/XX/XXXX Overdraft Fee for a Transaction Posted on XX/XX/XXXX {$98.00} Purchase. - {$35.00} -- XXXX Provisional Credit for Claims Ref- XXXX XXXX {$98.00} -- XXXX -- - ACH Claim # XXXX. - {$650.00} -- - XX/XX/XXXX -- XXXX to XXXX XXXX XXXX on XX/XX/XXXX. - {$10.00} -- XXXX -- XXXX to XXXX on XX/XX/XXXX - {$120.00} -- XXXX -- - Non-WF ATM Balance Inquiry FeXXXX on XX/XX/XXXX. - {$2.00} -- XXXX -- - Non WF ATM Withdrawal Authorized on XX/XX/XXXX. - {$200.00} -- XXXX -- - Non WF ATM Transaction Fee. - {$2.00} -- XXXX -- - Money Transfer authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX - {$25.00} -- XXXX -- -Purchase Authorized on XX/XX/XXXX XXXX XXXX. - {$40.00} -- XXXX -- - XXXXurchase authorized on XX/XX/XXXX XXXX XXXX. - {$23.00}
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

This is the second time that I am filing a complaint against Bank of America. I have been a customer for over 20 years and again, as has been the common occurrence in recent months, I deposited a {$9000.00} check and only after it was deposited was I told that it would be held. The unfortunate thing is that I watched a man in front of me walk in and cash a {$12000.00} check and walk out with cash in a matter of minutes. I go to the teller right behind him and deposit my check and am told after it was deposited that I would have to wait to have access to ANY of the funds. What is different about the gentleman before me and me? I have been a customer for 20 years. I maintain over {$6000.00} a month in direct deposits. This is becoming a serious issue for me. I previously filed a complaint when I deposited a check and had to wait about 2 weeks for availability of the check. This is excessive and I feel arbitrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello XXXX XXXX  has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.
Product: Debt collection

This is a follow up complaint to CFPB complaint ID XXXX and XXXX. AMCOLLENT continues to report this debt on my credit report despite my repeatedly disputing the debt and explaining why this is not owed. I have asked politely for this to be corrected immediately on multiple occasions but they have been rude on occasion and unresponsive on others.
Product: Debt collection

The following agency is not bonded in the State of Texas and can not legally collect debt. Please remove from my credit report and confirm the debt is not owed.
Product: Checking or savings account

On XX/XX/XXXX, someone who was not myself cashed a check against my account for {$620.00}. The first I knew of this was on XX/XX/XXXX, when I received my Credit Card statement showing an overdraft charge and associated fees for this amount. I immediately called both the bank and the company who issued the card explaining that I had not cashed any check and knew nothing about this transaction. An inquiry was begun. On XX/XX/XXXX, I received a letter from said issuer that they had examined my account history and determined I was responsible for this transaction. I have made numerous trips to the bank but they can not find the check or any information on it. They have tried to be helpful but I am still getting billed or this amount and subsequent charges. This was a fraudulent transaction. Shouldn't the responsibility of locating the perpetrator belong to the bank? Why am I, a XXXX senior, being persecuted? 
On XX/XX/XXXX, the bank had sent me a letter informing me that on XX/XX/XXXX, someone had attempted to cash a check for the same amount. It was determined that the signature was fraudulent and cashing had been refused. I was told to do nothing. Why was the check cashed in XXXX? Why did they wait 3 months to notify me? Two days after receiving this letter I tried to use my debit card but my account had been closed. No reason was given but a new card was issued. It turns out I had received this check in XXXX, took it to the bank but it never got into my account. I must have lost it. I had been caretaking a sick family member and left immediately for a few days of rest. I totally forgot about the check.
Product: Payday loan

I have obtained a loan from Turbo Cash but they have hit my bank account at XXXX, XXXX Missouri without my permission when I instructed them that the account was compromised and closed. Now they have caused me harm and they have now turned me over to the local Prosecuting Attorney for fees that I didnt authorize. Plus they are unwilling too work with me as I did fall delinquent. This complaint will also be submitted to the FTC as well as the states Attorney General and private counsel.
Product: Credit card or prepaid card

XX/XX/XXXX To whom it may concern : RE : American Express Last XX/XX/XXXX I was given an option to open a Delta Credit card using American Express to save {$400.00} on our ticket. I then proceeded to check out only to find out I am disqualified because my purchase is just over XXXX dollars. I can not split the purchase and am forced to use another credit card to purchase. The Come on Ad then is gone, since I have no reason to go back to Delta, since I have my tickets. The American Express card appears in the mail days later. I can remember we need to spend XXXX dollars to qualify. Which ended up to be only XXXX dollars. It took us the full amount of time ( 3 months ) to spend XXXX dollars. I do not know, I must make a Delta purchase ( which I was denied ) also to qualify. I cant figure out why the credit is still not on our statement after the {$3000.00} purchase. Figuring it is another covid process problem! I made the call to American Express only to find out I had to spend {$1.00} on Delta to qualify for a {$400.00} credit. 
I sent a letter to the AM EX executive office in New York. By the time they return a reply we are in XXXX and without good phone and internet service. I reply ( text ) that we are out of communication and will follow up when we return to the states. 

American Express denies my credit of {$400.00}, but gives {$100.00} for goodwill. 
I then proceed to request documents that I signed to spend money on Delta. No Reply. 
I made a telephone request for the same, No Reply. 
I then called XXXX XXXX several more times only to be able to leave a message. No Reply. 

I feel like I am not the only one this has happened to. 
If I only needed to spend a dollar, I can not understand why they would not honor the {$400.00} credit. 
I obviously feel taken or I would not be writing another letter. In the old days if someone bothered to write a letter it was worth XXXX voices. In todays society I am sure it is many more customers that got the bait and switch. 

I believe I am still owed XXXX dollars.
Product: Mortgage

I called BSI Financial on XX/XX/2022 for payoff for my 2nd mortgage. They advised me to go online to get the payoff amount because they could not tell me over the phone or confirm. I went online and found the full payoff amount that same day I went to my bank for a cashiers check for total amount and mailed to BSI. I also called to advise them I was mailing payment. They called me the week of XXXX XXXX XXXXXXXX stating I still owed {$260.00} to pay which at that time I paid over the phone. Today XX/XX/2022 I received a letter stating they are destroying my certified payoff check. Customer services can not give me answers and a supervisor keeps me on hold. I just want to pay off my loan in full. What company would not apply funds to an existing loan. This company needs to be investigated immediately due to unethical practices and fraud. The customer service keeps sending me to a voice-mail. This is XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent an Annual Credit Report Request Form to get a report from Experian. I received a card in the mail saying that not enough information was sent. On XX/XX/2020, I sent another Annual Credit Report Request Form and included copies of my New York State Driver License, Credit Union Statement of Account, page 1 of personal umbrella policy, page 1 of electric bill, page 1 of Health Care Monthly Prescription Drug Summary, page 1 of automobile policy bill, page 1 of homeowners policy, page 1 of bank account statement, correspondence from XXXX regarding automobile loan, New York State insurance identification card for automobile, and page 1 of personal automobile policy. All documents showed either my street address, or Post Office Box, or both. All showed my name. And yet, I received another card in the mail stating that not enough documentation was provided in order for my request to be processed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to inform you about several pieces of inaccurate personal information that are currently being reported on my Experian credit report. As a veteran of the XXXX XXXX XXXXXXXX XXXX and a victim of the XXXX data breach, I am particularly concerned about the accuracy of my credit report and the potential for fraudulent activity. 

Upon reviewing my Experian credit report, I discovered the following inaccurate information : Inaccurate Names : XXXX. XXXX XXXX ( Name ID # XXXX ) XXXX. XXXX XXXX XXXX ( Name ID # XXXX ) Inaccurate Addresses : XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Address ID # XXXX ) - Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Address ID # XXXX ) - Apartment complex Inaccurate Phone Numbers : XXXX. ( XXXX ) XXXX - Residential XXXX. ( XXXX ) XXXX - XXXX I have never used these names, resided at these addresses, or been associated with these phone numbers. The reporting of this inaccurate information is a clear violation of Section 607 ( 15 U.S.C. 1681e ) of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain reasonable procedures to ensure the accuracy of the information they report. 

Under Section 609 of the FCRA, I have the right to request the sources of this inaccurate information and to have it removed from my credit report. I have sent a detailed letter to Experian requesting that they provide the sources of these inaccurate names, addresses, and phone numbers and that they remove this information from my credit report. However, Experian has failed to comply with my request, which is a violation of Section 611 ( 15 U.S.C. 1681i ) of the FCRA. 

The reporting of this inaccurate information has caused me significant distress and has negatively impacted my ability to secure employment and housing. As a veteran who takes my financial obligations seriously, it is deeply troubling that these errors continue to harm my credit standing and, consequently, my family 's financial stability. 

I am reaching out to the CFPB to seek assistance in resolving this matter and ensuring that my Experian credit report accurately reflects my personal information. I kindly request that the CFPB investigate this issue and compel Experian to provide the sources of the inaccurate information and remove it from my credit report promptly, as required by the FCRA. 

I am prepared to provide copies of the dispute letters I have sent to Experian and any additional information or documentation needed to support my case. 

Thank you for your attention to this matter and for your commitment to protecting the financial well-being of American consumers, especially veterans who have faced hardships due to inaccurate credit reporting and FCRA violations .