23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I am a victim of identity theft as a result of a data breach from XXXX Account Name : XXXX Account Number : XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Reason : Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The account is fraudulent Account Name : XXXX Account Number : XXXX Reason : The account is closed Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The account is closed Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as an authorized user to my grandmothers XXXX XXXX XXXX XXXX back on XX/XX/XXXX. Within a couple weeks it was reporting with XXXX  and XXXX. Its now been over thirty days and said account has not reflected on my Experian account. This is causing me to not generate a score which is prohibiting me ... theres not much I can do without a credit score.  No house, car, etc.
Product: Debt collection

On XX/XX/2019 I mailed a letter ( certified via USPS ) to Debt Recovery Solutions disputing a claim that I owe {$50.00} via the supposed original creditor XXXX XXXX  XXXX   as listed on my XXXX  credit report. This debt is not mine and I do not owe it. I asked them to provide verification that this debt it mine. They have yet to do so. The letter was delivered to their company on XX/XX/2019 at XXXX XXXX. 

I asked them to provide me : 1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They have not provided me with ANYTHING.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit report ( insert credit report number ) and discovered an inquiry that I have no knowledge of. On XX/XX/year>, XXXX XXXX XXXX appear on my credit report as a hard inquiry that impacted on my credit score. I never authorized inquiry on my credit report for this company. Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX XXXX able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Product: Credit card

There were credit cards opened in my name without my knowledge and I didnt authorize or give my consent I believe a XXXX member or XXXX fraudulently use my name without my knowing- I would like for the debts from the fraudulent credit cards be removed immediately
Product: Credit reporting

Inaccurate information on credit report Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed this company XXXX XXXX XXXX is reporting a collection on my report. Unlawfully incorrectly and this is hurtling my chances of getting a home. I will pay what they said I owe under one condition.

1. The validation of the debt 2 verification of their claim you ; that is a signed invoice 3 a copy of the contract binding both parties IF THEY CAN NOT NO PROVE THIS PLEASE DELETE
Product: Mortgage

I called navy fed on a recorded line XX/XX/21. I submitted an application for a refinance and was provided the rate. I asked specifically would that rate change during the application process and the representative said No. 

No Im being told thats not the case and the rate has increased. No one provided a reason to this and I thankfully caught this prior to proceeding. 

When I contacted the bank, they advised they werent going to change this. I told them to listen to the call and you would hear what was stated. 

I dont know if this a bait and switch or just normal deceptive practice by navy fed. But I know if they did this to me, chances are theyre doing this to others, some without knowing its beiNg done. 

They need to not be deceptive or trying to commit fraud against military/veterans or anyone for that matter.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I have collection accounts that have incorrect information reporting. I have wrote several letters and I have been unable to get any results.
Product: Debt collection

Hello, I received a message from a family friend today that they had been called by a debt collector in regards to my old apartment complex.

I tried to call the company in regards to this and yes I was rightfully angry but I was in no way threatening. They proceeded to hang up on me and not answer any other call attempts. I did leave 1 voice mail apologizing for my attitude and 1 requesting a call from a manager due to the violation of the fair debt collections practices act.

I have received no call back and no confirmation that this matter will be handled.

The debt collector not only told a 3rd party they were a debt collector but also what kind of debt it was and who the client was.

I never even had a chance to handle this matter with them to begin with. I had just received their first communication letter in the mail yesterday.
Product: Credit card or prepaid card

This is ONLY regarding the virtual cards, physical cards are perfectly fine. 
I can not view my virtual cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have troubleshooted to the most advance level. I called in 3 months ago, supervisors told me it was a technology issue that other clients also experience, so they submitted multiple tech department tickets to have it solved. Now, 2 days ago, I called in, and forcefully asked what was going on and they told me the internal department needs to review my virtual card accounts before I could view and use the virtual cards they provided. Every department whether on chat or the phone is, transferring me to another department or gives me the wrong information ( misleading too, because one agent can say the previous agent 's answer was totally wrong ). I just want to view my virtual cards. As stated by the phone calls 2-3 months ago, stating it was just a technology issue and will be fixed timely, to now my virtual cards needing review by the " internal department '' and wait for their call which never seems to come or have an exact date seems highly unprofessional by Goldman Sachs XXXX In a gist, one department says it will be fine in 24 hours with an ID verification, another says they will submit a tech issue, and another says the internal department will handle this issue with NO time frame provided and in a rude manner too. I am currently on the phone and chat too, too no surprise, I am being transferred to another department yet again on both communication lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s  ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Debt collection

USAA claims that I owe them {$54000.00} from a home equity line of credit I took out many years ago. The loan I believe was taken out in the XXXX 's. I got sick and lost my job, home, and all savings by the end of XXXX. I ended up homeless for 5 years. I got better and a new job in XX/XX/XXXX. I started saving money and paying off all my debts. I applied for a hardship package with USAA in XX/XX/XXXX. They reviewed it and demanded I pay the full balance by XXXX XX/XX/XXXX. I have made a counter offer and they did lower the demand to {$39000.00} good till XXXX XX/XX/XXXX. I am not able to pay that amount. All other collection agencies and banks settled with me for around 20 % to 45 % of the total since they already took a benefit on their tax returns. I can offer them $ XXXX but that will require me to get a big loan and go further in to debt. USAA can be contacted at XXXX or XXXX. I  have managed to pay off all my other outstanding debts by getting loans and savings. Can you help me get them to consider the $ XXXX offer? I have many family obligations and will need to get another loan to settle with USAA. Your assistance will be greatly appreciated. They should also give me more time to come up with the money or give me a payment plan. Telling me I need to pay the full amount by XXXX XX/XX/XXXX or XXXX XX/XX/XXXX is completely unrealistic and unfair. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Account Name XXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX continue to report inaccurate information on my consumer report. There are is information reporting that is preventing me from obtaining housing and my calls to these companies have went unanswered. The account listed as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX are reporting incorrectly and do not belong on my consumer file. Delete the information or cease gathering any information on me without my consent.
Product: Credit card or prepaid card

Hello Last year 2022  I requested program to be developed on upwork by a freelancer on there platform which started working and charging me for it mean while all I was receiving where codes screen shots from upwork On XX/XX/2022 I received a email from upwork informing me the the XXXX was under investigation for fraudulent activity but that I had nothing to worry about since he could not withdraw the funds from His account On XX/XX/2022 I received another email telling me that my contract had been successfully completed and that the XXXX was being band from upwork and his account closed to which I replied by telling them that I had not closed the contract and had not received the work that I had already paid more then XXXX for I have since started multiple disputes with everyone involved from which I have been able to recuperate most of my money The remaining balance is for XXXX from synchrony bank credit card which I have disputed more then 3 times and they keep siding with upwork all of them knowing that I got charged for something I never received they are all robbing me
Product: Credit card or prepaid card

I paid my balance in full on XX/XX/XXXX and the payment cleared my bank on XX/XX/XXXX and the funds have been sent to them but synchrony bank who services the sams club credit card has not applied the payment to my account. I called today XX/XX/XXXX and I asked to speak with a manager whom which just started making things up. She said there was still a three day hold on my payment being applied due to the large amount. I pointed out to her that I make payments that large every month. She then said it was because I made multiple payments in XXXX and I pointed out again that I have done that before with no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my XXXX XXXX and my ability to acquire credit. I need these false items removed from my credit report as soon a possible.
Product: Debt collection

I have requested for at least the last XXXX years, a detailed explanation of how Midland Credit Management arrived at the balance they allege I owe! They REFUSE to supply me with this information, yet expect me to pay almost {$3000.00} for this alleged debt. I do n't know anyone that will go to the grocery store, or XXXX, for example without getting a detailed, line by line item explanation of what they owe. This leads me to doubt the validity of the bill. If they ca n't prove it, they need to remove it!! I consider this to be inaccurate information that is being reported to the credit bureaus. I appealed this travesty to all XXXX credit bureas ; TransUnion deleted it from my files. I feel it is only fair that the other XXXX do the same immediately and permanently. The representative I spoke with earlier today actually told me that they have never received any requests from me!!! Thank goodness the conversation was recorded. I have EVERY piece of correspondence to AND from them. What a XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability transparency is unacceptable and raise is serious concerns about consumer safety.
Product: Checking or savings account

Hello! Please I would like to report Bank Of America. I had deposited XXXX dollars into their checking account on XX/XX/2021. Before XX/XX/2021 I was able to make purchase freely now I can only make a purchase with " XXXX '' only. I should be able to make a purchase for any merchant I please with my money. I also experienced difficulty accessing my account to check my balance. Late in the night I had to enter a code to get access. I requested the automotive service to contact me and the automotive voice did not work and I was unable to access the account. Also I receive an email stating that my balance was XXXX when I only used an estimate of XXXX XXXX dollars, after using the XXXX XXXX dollars I was able to purchase more items but the purchase could only be made at XXXX. I was blocked from making purchases from XXXX, XXXX XXXX, XXXX, and XXXX. Please investigate this matter I should be able to make purchases with any merchant. PS : Its Bank Of America in General
Product: Credit card

This is a fraudulent account and needs to be removed from my credit report within 7 days. I have reached out to the company to provide proof of contract, and there is no contract.
Product: Money transfer, virtual currency, or money service

The bank is robbing me! On XX/XX/24 I logged into my online bank to transfer XXXX from my savings to my checking and attempted to withdraw from a nearby atm. The bank block my card and a message appeared on the atm saying to call the XXXX number on which I did to lift the block. I then got back into the line and tried to withdraw my money again and another block was put on the card. I immediately exited the atm line and called and complained to a representative. I also asked the representative why is it that the balance from my savings account immediately decreased but the balance of my checking account did not increase? The representative told me that although I never experienced this before, it was like any other transaction that sometimes pend for multiple days, but that my funds would post and be available into my checking account on the following Monday XX/XX/24, in which it did not. On Tuesday XX/XX/24 I walked into a nearby branch after my work shift and they refused to help me stating the only way I could make a complaint and process claims was over the phone. Extremely irritated I departed and initiated a claim via phone call and they said it was an atm issue so my funds would be back in my account in 2-10 days. My response was that I did not understand how it was an atm issue if its the system that tells the atm what to do and clearly it was as if my money just vanished. The bank put a block on my card twice not allowing me to withdraw any money from my account, which also warranted me to login to my online banking app to verify that i accurately and successfully processed the transfer that I was attempting to do. When I noticed one account balance decreased but the other account did not reflect this transaction I was told it would pend and then post. All of this information was a lie and after in which it did not post, and I made a claim, essentially the bank has closed my claim stating that no errors occurred as if to state I was able to process a successful withdrawal. They are committing fraud.
Product: Mortgage

XX/XX/2023 Consumer Financial Protection Bureau To Whom It May Concern : I hope this email finds you well. I am writing to raise my concern regarding the recent experience I had with LoanDepot during my mortgage application process. I believe that the lender 's actions violate several regulations under the Consumer Financial Protection Act ( CFPA ) and other federal and state consumer protection laws.

Specifically, LoanDepot has used an unfounded reason " lack of sufficient fund '' to decline my loan application and failed to provide reasonable explanation and support ( I had provided $ XXXX deposit statement in my bank account for $ XXXX downpayment needed ), even though CFPA entitles applicant 's right to obtain such information from the lender. Meanwhile, LoanDepot requested a future document ( NEXT month mortgage statement ) from me, which did not exist at the time of their request. Despite my efforts to provide alternative documentation, the lender refused to consider my application any further. I believe that this requirement was unreasonable and deceptive, as it created the impression that the document was necessary when it was not.

Furthermore, I have been made aware of a recent statement made by LoanDepot 's lawyer, who asserts that consumer protection laws do not cover investment properties and that the lender can demand any document they choose from loan applicants. I believe that these statements are completely inaccurate, and the lender 's actions are in violation of several regulations and standards. Also, I find the lawyer 's threat to prevent me from continuing with my CFPB complaint is unacceptable.

As a consumer, I have suffered significant financial and emotional harm as a result of LoanDepot 's actions, and I am requesting that the lender abide by regulation rules, correct any mistakes, and compensate me for any losses incurred.

I am respectfully requesting that the CFPB investigate this matter and take appropriate action to hold the lender accountable for their actions. Additionally, I would appreciate any information on my rights and options as a consumer in this situation.

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX