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

When I request to Equifax my credit report, they sent to me. Looking on it I found two discrepancies. The city incorrect and the DOB All the creditors and lenders that whose I requested different type of loans, my personal information was current. Any changes I personally reported to those lenders and creditors. 
For your information the other two credit agencies have the correct information. 
The present address : XXXX XXXX XXXX, XXXX, CA. XXXX DOB : XX/XX/XXXXXXXX  Based on Equifax : the city is XXXX XXXX DOB : XX/XX/XXXXXXXX  I spoke with several customer services from Equifax and something that it made me feel insecure with this credit agency is the fact that all of them have accent from XXXX or XXXX. None even one has an accent of American or even XXXX. Another issue is that upon my request to hem about how those changes related to the city and my DOB took place? Their answer was that most of the time creditors and lenders are the ones reporting to them changes in our personal information. How is it possible that creditors and lenders that even I do not know or never ever had a business, can report to Equifax personal information without first Equifax notifying us first if I had in the past any type of loan. When I request the names of those creditors they denied to me because according with their regulations I have first to send the photo of my driver license and social security. My answer was no because this is a fraudulent organization operating in USA with maybe main Headquarters in XXXX or XXXX. Please I request an immediate investigation because this agency is acting unlawful and also taking our personal information and send them to XXXX or XXXX for some kind of fraudulent activity. Also, I request to have the CIA and FBI to investigate this agency and their employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed the accounts multiple times with XXXX, XXXX and Equifax stating that the accounts are closed and the balances are paid which were included in a discharged bankruptcy over 10 yrs ago. and the accounts are still reporting negative on my credit reports i will like for the credit agencies to REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORTS.
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 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX 'S Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  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: Checking or savings account

On XX/XX/year>, I received an email from Chase Bank stating that they had decided to close my account and that financial institutions should know their customers and monitor account activity. After careful review, they decided to close my account. So I went to the Chase branch to inquire about the details of why, but they helped me by contacting them and saying that there was no reason and I could not file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX has Violated my rights. 

I informed them that XXXX XXXX XXXX and XXXX XXXX XXXX  were the result of Identity theft. They were Provided with FTC reports. They did not delete these accounts within 4 days as required. They after 24 days claim the debt has been validated and have provided no proof of validation. 

12 CFR 1022.3 IDENTITY THEFT means fraud committed or attempted using the identifying information of another person without authority. 

I did not give XXXX the authority to furnish this information on my report. I have no contract with XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX. 

XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX according to 12 CFR 1022.3 have committed Identity theft. 

I was not provided with any disclosure information from all three of these institutions, because they have stolen my identity. 

This is a violation of the Privacy act of 1974 and 12 CFR 1016.7 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Product: Mortgage

I took a mortgage loan from East West Bank back in XXXX XXXX when I purchased my house. Purchase price was {>= $1,000,000} and the loan was {$690000.00}. I was told by XXXX XXXX and XXXX branch manager the the rate was fixed for the first 5 years for 4.625 % and it would become adjustable ( 1 yr Treasury + XXXX ) begining XXXX XXXX XXXX but my rate remained at XXXX and now they are saying that my loan rate can not be lower than XXXX. I was never told or received any disclosures that there was a minimum rate. I was milsled by East West Bank representatives by both loan officer who does n't have a NMLS number and the branch manager
Product: Credit card or prepaid card

Citi Cards XXXX XXXX XXXX XXXX XXXX, MO XXXX Dispute a Visa card purchase Dear Federal Trade Commission! 
1. I would like file a formal dispute via Citi Visa purchase in writing 2. I would like to withhold repayment to the credit card for a particular purchase ( {$89.00} and {$94.00} ) on which I file a dispute. Here are that merit a dispute : A ) I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant. 
B ) My credit card account was charged more than once for the same transaction. I authorized one charge for {$4.00}. 
C ) Didnt approve purchase this item for amount of {$89.00} and {$94.00} D ) The item never arrived the item never was delivered to my door. 

REF to XX/XX/XXXX Reverse {$89.00} 1 ) On XX/XX/XXXX : Citi bank call and left the msg on my home phone said : There are so many fraud charge in my visa, please call back 2 ) On XX/XX/XXXX : I request Citi bank cancel the visa and send me the new visa card 3 ) On Tuesday XX/XX/XXXX @ XXXX : I call Citi bank regard to XX/XX/XXXX statement REF to XX/XX/XXXX Reverse {$89.00} A ) Citi bank said : since I file as Fraud which mean some one steal my visa and order the merchant B ) I told Citi bank more then 10 times : 1 ) I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant. 
2 ) The item never arrived the item never was delivered to my door. 
3 ) Since the Citi left the message on my home phone about fraud. I misunderstood Fraud and dispute. I would like to file dispute now.

C ) Citi bank said/reply more than 10 times : A ) You support to file as dispute NOT fraud B ) The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant Per federal Truth in Lending Act and the Fair Credit Billing Act : Under the Fair Credit Billing Act, credit card purchases protection. 170. Rights of credit card customers 93-495 93rd Congress - H.R. 11221 I certify that the information I provided is accurate to the best of my knowledge. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX  XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX  XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX  XXXX XXXX XXXX : {$58.00} ; XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was supposed to receive a transfer from a friend for {$160.00}. Normally the transfer would be instant ( as my friend also uses the same bank - Wells Fargo ), however, the money did not arrive. I called a representative, who assured me that the money would be transferred within today - XXXX XXXX XXXX. I have not received the money, the transfer does not appear on my end ( it does appear FOR my friend the sender, confirmation code will be available if needed ).

How can your complaint be satisfactorily addressed?
Product: Credit card or prepaid card

My edd card that was sent out during the pandemic I didn't get it at first and I knew it was sent out Tomy address  XXXX needed the money for an emergency death in my family but I didn't have the money to do it and it was well over 20 days after my card had been shipped but I never received it so I called bank of America wanting to do a emergency XXXX XXXX or something and then they had told me that my edd card had already been activated and there was thousands of dollars gone of of it. But I was never reimbursed for the money that was gone off the card would I be able to get it back now or no?
Product: Checking or savings account

I haven't been able to access my accounts with BBVA since they transferred everything over from Simple on XX/XX/XXXX. I tried activating my account on both their website and their mobile app, and I've tried multiple times a day every day since the transfer. 
I've called every day from Sunday, XX/XX/XXXX, to today, XX/XX/XXXX. I've been on hold no less than 2 hours each day and up to 4 hours at its peak. Most of the time their support line hangs up on me. Other times I have to hang up because there are other things I need to do, and I can't fully drain my phone just sitting on hold while running errands. 
I've also tried using their chat on bbvausa.com, but it's mostly pre-scripted, " smart '' replies. I asked to talk to a person, and the system said it was transferring me. After several hours with the page open, nothing happened. Tried that twice. 
I also tried reaching out to BBVA on social media, via their XXXX handle. Several replies went ignored, but eventually a bot of theirs started auto-replying to send them a direct message with my name and phone number. I did that, but they haven't responded for 2 days now. 
I tried contacting a couple executives via XXXX, but they didn't respond. Tried their email, but I got undeliverable notifications back from their system 's mailer daemon. 
It's been almost a week now, 6 days, and I haven't been able to access any of my money.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX filed suit again me with a summons on XX/XX/XXXX Trial requested. Last hearing was case management on XX/XX/XXXX with this debt collector requesting continuance toXX/XX/XXXXreason to investigate an alleged request for hardship repayment knowing I never requested such a thing. Never spoke to anyone either regarding any request for repayment especially since I requested trial and was supposed to have trialXX/XX/XXXX. This debt collecting firm as of XX/XX/XXXX is required to have a license to do business in California however as of today, XX/XX/XXXX they DO NOT. They have violated Rosenthal Rules and new debt collection laws of California. They requested continuance to XX/XX/XXXXattempting to stall case to have chance to send what appears to me to be a forged letter from Bank of America ( whom theyve claimed to have been representing since filing suitXX/XX/XXXX ) I received one day after last hearing on XX/XX/XXXX stating since they cant reach a repayment agreement they are NOW ASSIGNING the accounts toXX/XX/XXXX I received updated letters this time they changed their DBA name from XXXXXX/XX/XXXXIMPORTANT POINT : PLEASE NOTE THEY LEFT OUT ON ALL LETTERS XX/XX/XXXX identifies which state they are licensed in.XX/XX/XXXX are assigned to do business in certain states. XXXX XXXX XXXX clearly violated my rights in many ways including no license number on any documents sent to me, not disclosing how to dispute any debt. Please note 2 days after my last complaint datedXX/XX/XXXX on XX/XX/XXXXAttorney based out here in California and who appeared at trial conference hearing inXX/XX/XXXX requesting time for hardship request, sent me a request to dismiss not stamped or filed by court but completed with her signature on it. Clearly attempting to make it go away without judge seeing facts in this case. Now why would she request a dismissal less than a month after her lie requesting a hardship request knowing there was never one and trial conference set XX/XX/XXXX? Also plaintiff Bank of America advised me XX/XX/XXXX and on another call I made to them XX/XX/XXXX that they assigned these accounts to a new agency to collect called XX/XX/XXXXonXX/XX/XXXXI would think Bank of America KNOWS they are being represented by XX/XX/XXXXbut they decide to assign to XX/XX/XXXXbefore a trial??? I do not think so!! They are not licensed to do business here in California however are still doing so!!
Product: Credit card or prepaid card

I pay my acount in full with comenity bank, after pay them in full they went back and starting to charge me interes on XXXX  balance account, my account was set on outo pay but they also starting to charge late fees on interes charge on XXXX balance account. This had affected my credit because they reported this to my credit report, and event after I ask to close my account they refuse to close my account and continue charging interes on XXXX balance account.
Product: Credit card

I applied for Chase XXXX XXXX credit card according to the avertisment of getting XXXX points after spending {$3000.00} during the first 6 months / Chase claimed that the offer was for XXXX during 3 months. 
I did spend a total of over {$4000.00} during the 6 months to meet the requirement of the points offer. 
They denied my points
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts XXXX XXXX XX/XX/XXXX18 XXXX XX/XX/XXXX18
Product: Mortgage

XXXX XXXX wrote a mortgage to me for purchase of a home, then assigned servicing responsibilities to PHH Mortgage services. 
I changed the mortgage date on their website from the XXXX to the XXXX, but the website said that this would have no impact on the XXXX payment. I called PHH to attempt to fix this twice, and both times they said that they have no capability of changing the date for the next collection if the request is made after the XXXX of the month before. 

I will remind that this is not a technical limitation because the actual speed with which the systems responsible for this process talk to each other is 300,000 kilometers per second, or about 6 orders of magnitude faster than their stated capabilities. Also, as a XXXX XXXX, I can state that dealing with any software issues could be done by a single developer in half a day. 

This problem exposed a far deeper problem, which is the lack of ownership. PHH has no motivation to provide good customer service because the ultimate customers are never consulted in account assignment. Why fix a problem if it 's cheaper to force NSF charges and then collect the revenues?
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution proces 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 for these violations.
Product: Vehicle loan or lease

Carvana is advertising high down payment with vehicle financing. According to the law 15usc1662 there are to be no advertisements of down payment which a credit transaction.
Product: Credit reporting or other personal consumer reports

Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. Account details in dispute : * Creditor or Institution Name : Citi * Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within XXXX days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. * Communication records showing my relationship with this account. * Evidence showing that the account is valid and accurate. If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. Thank you for your attention Sincerely : XXXX XXXX
Product: Mortgage

On XX/XX/20 XXXX XXXX ( victim ) spoke to XXXX XXXX by phone, e-mail, and text message. An agreement was established that she would have a sum of XXXX XXXX dollars wired to XXXX XXXX  to secure a loan of XXXX XXXX XXXX XXXX XXXX dollars for a purchase of a real property. On XX/XX/20, XXXX XXXX traveled to XXXX XXXX were she wired XXXX XXXX to an account in XXXX XXXX named ( XXXX XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX, Account Number : XXXX, Routing Number : XXXX, Branch Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. XXXX XXXX waited three weeks and had not received any documents in the mail or e-mail, she had not heard anything from the lender, Every time XXXX tried to communicate with XXXX, he would ask for more time, to call later, he was busy, or he'll get back to her. Never did. XXXX XXXX became suspicious and contacted the owner of the property that she was buying, who told her they did not receive any documents or money from XXXX. XXXX contacted Union home mortgage, where she was told XXXX XXXX had no longer worked for that company. XXXX then filed a police report for fraud. XXXX has more documents that XXXX sent her for the loan and also the police report.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX multiple times and filed two separate disputes to correct the error. I also requested and received a letter from the bank showing the account was paid in full with a XXXX balance. This letter was upload to XXXX via the XXXX portal. 

The second dispute was completed and the information remains unchanged, even with proof of their error.
Product: Debt collection

Despite repeated occasions of telling Portfolio Recovery Systems that they are calling the wrong party, they continue calling me at home, at work, and on my cell phone. In the beginning, while trying to reason with them, they told me that the debt was from XXXX XXXX. I have NEVER done business with XXXX XXXX. My credit rating is in the XXXX on all credit reporting services, and yet they continue to harass.