23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have contacted Lakeview Loan on several occasions and have not received an answer regarding my PMI. 

I am trying to refinance my loan at a lower interest rate and a XXXX mortgage instead of XXXX. My house was just apraised at {$320000.00} and I owe {$120000.00}. Two different times my bank has requested a payoff statement, an additional charge or fee of {$26000.00} has been on it. It's labeled as PMI. No one has been able to tell me why that is on there and no one has taken it off. I have left messages with upper management and no return phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the presence of XXXX XXXX XXXX on my credit report. This account was opened without my knowledge or consent and is the result of identity theft. Enclosed, please find the necessary identity documentation to substantiate my claim. 
Despite the closure of this account, I have noticed that it still reports a balance each month. This is not only inaccurate but also illegal as it violates the Fair Credit Reporting Act. As you are aware, it is the responsibility of credit reporting agencies to ensure the accuracy of credit reports, and reporting false information is a violation of federal law. 
I respectfully request that you remove this account from my credit report immediately and take necessary steps to prevent such errors from occurring in the future. Please provide me with written confirmation of the account 's removal once it has been completed. 
Enclosed, please find a copy of my credit report highlighting the disputed account and the necessary documentation to verify my identity. 
Please direct all correspondence regarding this matter to the following address : XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX Thank you for your prompt attention to this matter and your assistance in resolving this issue. 
Sincerely, XXXX XXXX Attachment discription Shows account was closed on XX/XX/XXXX Last reported : XX/XX/XXXX Transunion shows it last reported : XXXX XXXX XXXX  ( which is not accurate as it states it was reported on XXXX XXXX 
The FCRA, or Fair Credit Reporting Act, requires that credit reporting agencies, such as XXXX, XXXX, and TransUnion, ensure the accuracy of the information in a consumer 's credit report. 

Specifically, the FCRA requires that credit reporting agencies : Provide accurate information : Credit reporting agencies must use reasonable procedures to ensure that the information they collect and report is accurate. Transunion VIOLATED my rights!
Product: Checking or savings account

Fulton Bank has repeatedly allowed XXXX XXXX  to withdraw funds from my account despite the fact that I have told them that the withdrawals are fraudulent and not authorized. 

ON XX/XX/20 I informed Fulton the there was a fraudulent withdrawal from XXXX XXXX  for {$3.00}, and filled out paperwork to dispute the charge. I informed them that they should never allow any withdrawals from XXXX XXXX, as I do not have any accounts with XXXX XXXX. Now there is another fraudulent charge from XXXX XXXX, of {$6.00}, on XX/XX/XXXX. 

I sent a secure message through the web site a day or two ago when the charge was still pending, and told them not to allow the charge. They ignored me and allowed the charge to go through. " XXXX XXXX '' informed me that I had to pay Fulton {$33.00} for Fulton to prevent such fraud in future, and I had to come in and fill out a form to dispute the charge - despite the fact that the country is on lockdown and other banks permit electronic disputes of charges. It is not only an unnecessary inconvenience to come into the bank - it is a risk to my health and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! The Credit reporting agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open, and some are showing closed status.The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the company 's profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items
Product: Checking or savings account

On XX/XX/XXXX I was able to review mail received from Wells Fargo Bank notifying me that my account will be closing on XX/XX/XXXX due to an unauthorized ATM check deposit on XX/XX/XXXX that was made on my account that could not be processed. I called the Fraud Prevention Department for Wells Fargo and explained to the specialist that I received information of my account closure and reported that I was a victim of a robbery on XX/XX/XXXX informing them that my phone, wallet which included my ID, SS card and credit/debit cards were stolen and the check deposit on XX/XX/XXXX was not made by me. I informed them that I have a police report and video surveillance that can prove the transactions were not made by me and as it is still an open investigation. I asked the specialist how can I fix the issue or what are my options to correct the problem with my account. I was asked to be placed on hold and then when the specialist returned she asked me a series of questions related to receiving my temporary debit card, the card activation and pin. I did explain to her that I received a temporary card/pin at the bank that was activated and the pin was placed on the card by the Bank representative. I placed the card in my wallet and didnt think anything of it since there was no reason for me to use the card at the time, so I did forget the pin was attached to my card. I was advised due to the inactivity of the account and the pin since the pin number was not removed from my card it is determined that I am high risk to the bank and my account will be closed as scheduled. She also mentioned that there was a previous account opened in my name for three months that I was unaware of that was closed for inactivity. 

I opened my bank account with Wells Fargo in hopes to be a loyal customer and to complete all my banking needs during the process of me becoming employed and needing direct deposit. In the attempts of me finding employment my jobs fell through which is the reason for the inactivity on my account. I explained all this information to the Fraud specialist whom I felt had no understanding and continued to advise that my account will be closed and I will need to go to another bank to open an account. I was not offered the opportunity to appeal the decision or to provide documents of any sort to provide my case to prevent my account from closing. I am very dissatisfied with the customer service I received especially after the traumatized as a victim of a robbery and to be told that I am losing my account was disappointing.
Product: Checking or savings account

I want to bring to the attention I feel like I been discriminated because because of my XXXX Chase decided to close my account they didn't tell me why all they told me that the people in the back room which I'm confused because I never heard of something like that but they close my account and they didn't tell me why they told me in a rude way that there was no no turning back from their decision and the problem is that it's already the XXXX and I get a direct deposit from my social security SSI benefits I'm completely left with not being able to get my deposit on the XXXX which is a few days away I have to pay rent I haven't had no bad debts with Chase everything was good and for any I don't know what reason they disclose my account but I really think that is very discriminated knowing that I explained my situation the kind of benefits I get and they said they didn't care I mean well who treats a person like that thank you. I will find some legal help with somebody that deals with XXXX discrimination because I feel because these people who they said work in the back room that brought the decision and there was no reversal from the decision I'll be lifting the streets because of this closing of my account where I receive my benefit payment every month.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Student loan

My loan was transferred from Great Lakes to Nelnet. I submitted a payment on XX/XX/XXXX to be paid/applied on XX/XX/XXXX. Nelnet has not posted the payment and is still showing it as pending more than a week later. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : ID, Identity Theft report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  and I mailed all my documentation to all three credit reporting agencies. Each agency has received my information. Ive attached proof below. XXXX and Equifax has not blocked the information in 4 days per FCRA Title 15 U.S. Code 1681c3 - Adverse information in cases of trafficking.
Product: Checking or savings account

My checking and savings accounts were blocked frequently. Called the bank many times for the reason. The answer is that my brokerage account advisor needs my information. I have been their customer for decades and they have all needed information. Ironically my brokerage account is not blocked. In blocking my checking and savings accounts they prevented me to access my money and caused the problem of paying bills including mortgage. I dont know why a bank allows a brokerage account advisor block customers bank accounts and nobody in the bank can solve this problem.
Product: Student loan

I have asked several times for a pay off amount for several months. They keep switching collection agencies and will not offer me a settlement amount to charge off this debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against doordash due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress these issues
Product: Debt collection

To whom it may concern, Pursuant to 15 USC Section 809 ( B ) I'm putting SECURITY CREDIT SERVICES on notice that your claim is disputed and validation of the furnished account. SECURITY CREDIT SERVICES has not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I have a right to this information, as it's directly associated and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. * Chain of Title Proof that you are a licensed debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. * A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting. And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account? 2. What are the terms of the transfer of rights regarding this alleged account? 3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 4. Did you purchase this alleged account from the alleged original creditor? 5. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ). Failure to remove off my credit report will result in legal matters being taken and me turning SECURITY CREDIT SERVICES into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. 
" I certify under penalty of perjury under laws of the United States of America that the foregoing is true and correct. Executed XX/XX/year> XXXX XXXX XXXX : My XXXX said, " I'm under law and statues, codes, and ordinances doesn't apply in this court. '' An unrebutted affidavit stands as truth in commerce. A matter must be expressed to be resolved. 
Good Faith Without Prejudice Without Recourse Under Duress By : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

We have received additional information to counter attacked XXXX phony claim. 

The cited they are protected by Section 603 ( x ). I demand they provide the total content of this provision of this statue. When we looked up Section 603 ( x ) this is what we discovered : Section 603 ( x ) provides special procedures for investigations of suspected misconduct by an employee or for compliance with Federal, state or local laws and regulations or the rules of a self-regulatory organization, and compliance with written policies of the employer. 

I am NOT an employer of Any of XXXX XXXX clients. Weather that be XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

So this file should NOT be closed until they provide us the complete statue that protects them from the FCRA. 

If they choose to not furnish this information to the CPFB or any government agency, we are ready to litigate. 

Ad every violation that they have violate in punishable up to {$1000.00} and there are many cited here. 

Early Warning Systems is claiming these same nonsense statue, " Specialty Consumer Agency ''. There is not such statue on the federal level of such. If it is, we are also demanding they provide us and the CPFB the very statue they claim protects them from the FCRA. We do not want a form letter. We want the very statue that protects them or we litigate here also.
Product: Debt collection

I was living with a friend and moved out they where notify and the cables still continued to be on there for it became a huge bill. Never received anything about tell I checked my credit score
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24 hours to three days stating that the account is accurate, without providing any evidence of the thorough investigation.

This practice violates the fair credit reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Experians actions may also contravene the consumer financial protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and practices consumers with the necessary proof of investigation.
Product: Credit card

I booked airlines tickets via chase credit card but did not take the trip and requested refunds. The merchant submitted documents allowing for refunds after deducting fee. Chase only gave me half of refunds not understanding theres 2 tickets to refund. They refuse to take further actions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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 card

I am writing to file a complaint against Apple Card Goldman Sachs for mishandling customer dispute funds. Despite previous complaints, Apple Card Goldman Sachs has only addressed the issue by displaying the disputed funds, originally withheld by merchants, in my bank account. However, this cunning bank has merely manipulated its accounting records to show that these funds have been transferred to me. Yet, the problem persists as my available credit has not been updated, leaving me still responsible for repayment. 

Following my complaint, Apple Card Goldman Sachs has displayed refunds in my transaction records. However, despite several transfers, the total refunded amount of {$1000.00} contrasts with my total credit limit of {$2000.00}. Why, then, is my available credit only {$870.00}? How am I still indebted by {$1100.00}? 

Evidence suggests that Apple Card Goldman Sachs is embezzling funds through its accounting practices. Despite multiple attempts to resolve this matter with Apple Card Goldman Sachs, I have been met with no satisfactory resolution, only further frustration. 

I urge the authorities to oversee this matter promptly. 

Yours faithfully, XXXX
Product: Credit card or prepaid card

I opened up a credit card with Wells Fargo back in 2014 and wasn't able to pay it back due to financial hardships. I just turned XXXX at the time and had a XXXX on the way and was making $ XXXX/hr part time at my job and it wasn't enough to make payments back to the card. I didn't know anything about credit or how it worked back then and now that i am older i see the damage that it has made on my credit report. It is hard to apply for any type of loans now or buy anything due to this negative remark on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received an email from Affirm letting me know I had been approved for {$2000.00} at XXXX stores. I have never even heard of Affirm. I did not apply for this. Minutes later I received an email asking that I click to confirm my email. I did NOT click anything. Moments later I received an email with a code to click that was good for {$620.00} at XXXX stores. I did NOT click that. Then I received an email with two clickable links with important information about my loans. I did NOT click those either. I do NOT have any loans with Affirm. I replied to several of these email letting them know this was fraud. I finally figured out how to do that and received case number XXXX. I received an email from Affirm after they placed the fraud alert letting me know XXXX stores were processing my order. Finally, I received this email from Affirm : Hello XXXX, Thank you for taking the time to reach out to Affirm regarding your claim. 

This is XXXX from Affirm Customer Care and I want to assure you we are working to thoroughly investigate and resolve this right away. 

I have flagged that there is suspected unauthorized activity on your account and paused credit furnishing on any eligible loans associated with your Affirm account while we investigate this matter. 

The investigation process can take up to 30 days to complete and we will reach out to you with the outcome of our investigation or if any additional information is required. Please note a follow up email will be provided to you within 3-5 business days. 

If you have any questions or concerns, please contact us through the Affirm Help Center at helpcenter.affirm.com or calling XXXX. Our customer care representatives are available to take your call between the hours of XXXX XXXX  to XXXX XXXX  CST seven days a week. 

Thank you and have a wonderful day! 

Best regards, XXXX XXXX. 
Affirm Help Center Affirm allowed bad actors to open fraudulent credit in my name. Affirm participated in and assisted bad actors in stealing my identity.
Product: Debt collection

XX/XX/2020 @ XXXX MST. XXXX XXXX XXXX  called me, then hung-up on me, as soon as I answered the phone. All I heard was CLICK. This is now the third call/hang-up harassment from XXXX XXXX XXXX. The call came from XXXX ( XXXX XXXX  ). Was placed to my phone XXXX (  XXXX XXXX ). XXXX XXXX XXXX  specializes in debt collection. Why are they harassing me? Why is a Law Firm allowed to flagrantly break the law. Knowing that there will be no consequences? I thought America was a democracy. Everyone was required to follow the law and equally, be held responsible for breaking the law. Is that not so?