23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2019 a transaction was made through the XXXX application in the amount of {$200.00}. I first contacted the app vendor, XXXX, themselves, who got back to me in a timely fashion and responded that, upon investigation, they determined I was the victim of fraud due to that transaction. XXXX replied that they had taken action against all of the fraudulent parties accounts through their app, but they had no recourse to reimburse funds frauded through their application and recommended I follow up with my financial institution and local law enforcement. 

Later that day I contacted Ally Bank about the account my XXXX was linked to and explained to them the circumstances surrounding the fraudulent charge. Ally   opened an investigation and assured me I would hear a response in 7 - 10 business days. After receiving no information or follow up from them, I participated in their online chat to determine what the result of this investigation was. I again explained the situation to the chat representative, who agreed that it was a case of fraud and recommended I submit the documentation from XXXX via secure message for Ally to review and overturn. I submitted that documentation, waited the 7 - 10 business days and still received no response. Upon contacting the financial institution by phone, I ultimately received the answer that a federal regulation allowed them to not have to take action regarding this incident. 

While I have never had a problem with Ally reversing fraudulent charges are communicating in a timely fashion prior to this, this entire experience has left a bad impression on my of both their customer service and commitment to customers. I used to work in the XXXX XXXX XXXX and am well aware of what financial institutions can and can not do. What they're willing ( or not willing ) to do is another story entirely and I will definitely be rethinking my status as a customer to Ally Bank in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, In accordance with fair credit reporting act XXXX, account # XXXX, XXXX collection services. 
# XXXX, XXXX. XXXX XXXX. 
# XXXX, XXXX XXXX XXXX 

Has violated my rights. 

15 U.S.C 1681 section 602 A. States, that I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states as well that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian will not allow access to my account or provide any way for me to lift my credit freeze or contact a human. They force you to purchase a product of theirs before you can access anything in your account ( and I'm not even sure if you can after, as I've never purchased it ). How is this legal? Tried the app, which requires you to enter a code sent to your phone in order to log in... but they never send the code ( tried multiple times over multiple days ). 

Please fix this massive issue. Consumers should be able to access their accounts and manage freezes.
Product: Mortgage

We purchased a home in XXXX XXXX NY in 2006. When we purchased the home the old owners new/ refinance mortgage was 6 months old after moving from XXXX XXXX ( who is now out of business ) to Chase. We are now in the process of trying to sell the home and close. The new title search company is showing that the house still has an outstanding mortgage because XXXX funding apparently failed to file discharge papers with the county clerk. Our lawyer who is doing the closing states that when the loan was paid, it wasnt assigned or acquired by whoever took over the accounts from XXXX lender because there was nothing to get. We are being told that because of all the fraud in the past that we are required to give {$10000.00} to put in escrow before we close. This money will only be used if legal actions are needed to find the missing information. I am not sure why we need to do this since we did a title search when we closed in 2006.
Product: Credit reporting or other personal consumer reports

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/year>, XX/XX/year> were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/year>, XX/XX/year> were all on time. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/year>, XX/XX/year> were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 

Regards, XXXX XXXX
Product: Mortgage

Prior, I made a complaint within 30 days of application with Fairway Mortgage Company for racial steering, redlining, lending discrimination. The complaint was made through CFPB portal and is currently under investigation by HUD. 

The complaint being made today, is a complaint for a second violation which occurred after the previously mentioned violation. Said mortgage company did not provide a letter of adverse action as required by the XXXX. XXXX XXXX of Fairway Mortgage Company verbally denied my application for credit purporting that I did not meet XXXX qualifications to live in the property. She purported that the developers only accepted XXXX conventional loans. She alleged she did not know the specific reasons for denial when questioned during our conversation on XX/XX/2021 and again XX/XX/2021. 

Application date was XX/XX/2021 and I have yet to see an adverse action letter providing verifiable reasons for denial. I believe that the company did not send a letter of denial because the claim that I did not qualify for XXXX XXXX was a false claim and was verbally offered in an attempt to racially steer me from the community I was interested in purchasing a home in ; it was verbally offered so that there is no record of the false claim because such claim would be evident by XXXX XXXX. 

Again, this a claim of a ECOA ( Reg B ) violation which has not been raised prior. I need an explanation as to why this company violated my rights to receive a written letter of denial.
Product: Checking or savings account

The bank is unlawfully holding my employer 's paycheck. On XX/XX/XXXX, I received my direct deposit after my Navy Federal account was closed. I called around XXXX XXXX. to speak with a supervisor. The supervisor hung up the phone after I asked how it was lawful to hold my funds for something that hadnt even occurred yet. They did not give me a valid reason. 

They told me that my account was closed due to fraudulent claims, but the reason they gave was " due to me having a card in my possession. '' I explained that I have lost my cards and purse before because I move a lot and have XXXX XXXX XXXX I would lose my head if it wasnt connected to my body. Thats just an unfortunate thing about life, but to hold funds that I work for right when bills are due is unlawful and morally wrong. 

I submitted a dispute and sent money Navy to Navy. There is nothing legally wrong with doing either of those two things, so I am unsure why I am facing these consequences. They have no valid reason or no valid proof that I did something wrong.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 -XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 INFORMATIN IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get my credit report every year. I was reviewing a alleged debt from Westlake Financial Services from my XXXX and XXXX credit report. XXXX credit report dated XX/XX/XXXX and my credit report from XXXX.Upon reviewing the two alleged accounts I noticed that Westlake Financial Services has illegally re-aged this alleged debt. XX/XX/XXXX reports open date XXXX and date of last activity XX/XX/XXXX. My credit report from XX/XX/XXXX reports a open date XX/XX/XXXX and date of last activity XX/XX/XXXX. My XXXX Credit report from XX/XX/XXXX shows a open date of XX/XX/XXXX, and no date of last activity. XXXX shows a repossession date of XX/XX/XXXX. XXXX credit report from XX/XX/XXXX shows a open date of XX/XX/XXXX and no date of last activity. Also the balances have been changed. Westlake Financial Services has willing and willfully committed a illegal violation of the Fair Debt Reporting Act and the Fair Debt Collections Act. I also will be filling a complaint with the state attorney generals office and the federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 



XXXX XXXX ( Bank ) XX/XX/2022 - XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.SXXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account names : XXXX XXXX XXXX XXXX {$530.00} # XXXX po box XXXX Iowa XXXX, IA XXXX XXXX XXXX XXXX {$600.00} # XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX {$450.00} # XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX CREDIT XXXX XXXX Has violated my rights. 

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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to Non-compliance with the Credit bureau Transunion, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Transunion if this account is not deleted.
Product: Checking or savings account

XX/XX/XXXX  {$1600.00} check wouldnt cash had me go somewhere else for {$6000.00} and would be refunded what I paid.
Product: Vehicle loan or lease

USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired inXX/XX/XXXX. <P/>Attached are all relevant documents that USAA Federal Savings Bank has provided to date. I was also expecting copies of any and all documents substantiating that I am in fact a co applicant. All documents provided are unsigned and have a street address where I live but can not receive mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that account was being reported on my credit report, which was not mine. I am writing again, to request that you reinvestigate this account, and delete this. I do not have access to the documents related to this account, but the creditors would. Please note that for this, I believe that a relative that may have forged my name ( or used my personal information ), plus in order to take out this account without my knowledge, consent and permission. Therefore, please obtain all documents from any of this debt, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, NAME on the file and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX I tried disputing this many times with XXXX. The only XXXX XXXX I have ever had was prior 2016 and through a business account. When I contact XXXX they don't recognize account number or balance being reported by Jefferson Capital. When I contact Jefferson I can't get a hold of anyone that can bring me up in their systems. I have been disputing this with XXXX for many years and it is still appearing on my credit report.
Product: Checking or savings account

In 2019 I had opened the account for my direct deposit and my job as soon as I opened the account I started getting insufficient funds for maybe XXXX cent {$0.00} and I received a letter before I move but now I can not think to get in contact with trying to update it and they'll keep saying that I do not have an account with them and I know for sure I have had an account with them since 2019 and I have not been able to get another one because of insufficient funds maybe {$330.00} total and then XXXX account was {$140.00} and it literally took my check from my job I need everything reimbursed
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : DEPTEDXXXX Account XXXX Account name : DEPTEDXXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my dispute regarding inaccurate child support reporting on my credit report ( Case # XXXX ), TransUnion has refused to remove or correct this account, even though it has failed to verify the information as required by law. 

During my conversation with XXXX XXXX XXXX, TransUnion admitted that : No documentation was received from the creditor to validate the disputed account. 
No human verified the accuracy of the information. 
The account was marked as " validated '' without any supporting evidence. 
These actions are in direct violation of 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation and verify disputed information within XXXX days. The lack of proper validation constitutes furnishing inaccurate information, which is prohibited under 15 U.S.C. 1681e ( b ). 

Additionally, this inaccurate reporting is causing significant harm to my financial situation by impacting my ability to obtain credit and improve my financial standing. As such, I demand immediate removal of the disputed account from my credit file within XXXX  days, as required under consumer protection laws when information can not be validated. 

If TransUnion fails to act, I will pursue damages as permitted under 15 U.S.C. 1681n for willful noncompliance with the FCRA. 

Please investigate this matter and hold TransUnion accountable for failing to meet its legal obligations. I have attached all supporting documentation, including my dispute details and the summary of my call with XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> Last XXXX of XXXX : XXXX
Product: Checking or savings account

Someone accessed my account and withdrew XXXX from my chime account on XX/XX/2022 and also they told be I needed to send pictures of things to verify who I was and I dont know how but this person on XXXX has my information that I sent chime I am also sending this information to. The person that had my information and a lot of other people information is XXXX XXXX
Product: Debt collection

I received your letter today. In your response to my previous email you agreed that you will provide the requested information but now you are saying that XXXX has already provided the requested information. THIS IS INACCURATE and I DEMAND THAT UNDER RESPA ACT YOU PROVIDE ME UPTODATE INFORMATION FROM THE LOAN ORIGINATION up until TO DATE AND ANY MISSING INFIRMATION IN BETWEEN TIME PERIOD. 

I am again asking the following questions : 1. How did you arrive at the accrual balance of {$34000.00} on XX/XX/XXXX? 

2. What made you decide to start to present the accrual history spreadsheet from this date of XX/XX/XXXX until charge off date of XX/XX/XXXX? 

3. I would request that I be presented accrual history spreadsheet from XX/XX/XXXX ( my loan origination date ) through XX/XX/XXXX so I can reconcile the amount you are showing as accrual balance {$34000.00}. This will also show me how my payments from XX/XX/XXXX through XX/XX/XXXX in the amount of {$96000.00} was applied to arrive at accrual balance of {$34000.00} on XX/XX/XXXX. 

4. XXXX spreadsheet sheet XX/XX/XXXX through XX/XX/XXXX that you provided to me does NOT show the accrual history. 


5. In your letter of XX/XX/XXXX you mentioned that payoff balance as of XX/XX/XXXX was {$470000.00}. This included XXXX principal balance + {$160000.00} interest + {$11000.00} in fees. This would remain same and will not change in future. 

6.On XX/XX/XXXX I received XXXX letter saying amount due {$340000.00}. Can you please explain this amount due terminology? 


My questions pertain to RESPA request and a complete analysis must be given to the request made. I am copying this email to HUD Counselor who is authorized on my account to resolve the issues and has participated in the conference calls previously to settle this account. 

thank you. 


XXXX XXXX XXXX
Product: Debt collection

We received a letter in the mail from a debt collector called Frost-Arnett citing we owed {$80.00} from a medical bill with a balance at XXXX XXXX XXXX XXXX XXXX . I almost paid the bill but then noticed it was addressed to me with my husbands last name despite me keeping my maiden name which didn't make sense. 

I then reserached Frost-Arnett and it seems they are a fraudulent company trying to scam people. I did not pay anything and am just reporting them. 

The contact number listed on the debt collector letter was XXXX and they wanted me to send the money to XXXX XXXX XXXX in XXXX, TN XXXX. There was also a website listed of XXXX Please do not reach out to the company on my behalf. Just hold them accountable for their actions.