23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My XXXX  came back lower than the value of my home. My home is a XXXX XXXX house XXXX bath home but my apprailsal only show my home as a XXXX bedroom XXXX bath house.My name is XXXX and the report only shows my name as XXXX also.
Product: Credit card

I am writing to formally file a complaint against Discover regarding their failure to properly investigate and resolve my claims of identity theft. I have been a victim of identity theft, as documented in the attached report from the Federal Trade Commission ( FTC ), and despite my numerous attempts to resolve this matter, Discover has failed to take appropriate action, causing me severe financial and credit-related damages. 

In XX/XX/XXXX, I traveled to XXXX, and upon returning, I noticed several fraudulent transactions appearing on my credit card statement starting in XX/XX/XXXX. I have disputed all these unauthorized transactions from XX/XX/XXXX to the present date. In an effort to mitigate the damage, I have taken the following actions : 1. Placed a credit freeze with all major credit bureaus. 

2. Reported the fraudulent transactions to Discover. 

3. Contacted the Chief of Fraud at Discover via emailwithout receiving any response. 

4. Made multiple phone calls attempting to reach the person responsible for investigating my case. 

Despite these efforts, Discover has failed to adequately investigate or provide me with updates regarding the status of my disputes. As a direct result of their negligence and lack of responsiveness, I have suffered significant financial harm, including : 1. My account being charged off despite the fraudulent nature of the transactions. 

2. A severe and unjustified negative impact on my credit score. 

3. Emotional and financial distress due to their failure to assist me in rectifying this situation. 

4. Removal of my account from the Wallet application, preventing me from accessing and monitoring my account, further exacerbating the issue.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account
Product: Mortgage

Mortgage company failed to maintain proper accounting and balance for escrow and attempted to increase mortgage by $ XXXX {$400.00} per month on two occasions. After multiple requests for an explanation of increase, company is yet to provide consistent accounting.
Product: Credit reporting or other personal consumer reports

The List of Key Data Points displayed within my personal payment history below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Payment history rating marked orange for fair Late Payments XXXX Days - XXXX Late Payments XXXX Days Older Than Past Year - XXXX Late Payments XXXX Days in Past Year - XXXX Late Payments XXXX Days - XXXX Accounts Always Paid as Agreed - 69 % The above Key Data Points reported have violated my rights.

The following XXXX accounts display as Inquiries under XXXX that i am unaware of & have also violated my rights. 

XXXX Inquiry Date XXXX XXXX  XXXX Inquiry Date XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry Date XXXX There is incorrect information displayed under my Account Summary, " Accounts Ever Late - XXXX " There is incorrect information displayed under PERSONAL INFORMATION. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers - XXXXXXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

By Checking my credit report i noticed 9 inquiries that i dont recognise. 
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
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute regarding the discrepancies reported on my credit report. After a thorough review of the information provided, it has become increasingly clear that there are numerous inaccuracies and unverified entries that are adversely affecting my credit score.
Product: Debt collection

XXXX  ( aka XXXX XXXX ) turned over a delinquent bill to Sequium Asset Solutions ( debt collector ) in XX/XX/XXXX, in the amount of {$680.00}, stating that the account was mine. However, after fighting this since XX/XX/XXXX, I finally got a letter from XXXX  ( on XX/XX/XXXX ) stating that the bill is NOT mine and that I'm not responsible for it. But, the delinquent bill has not been removed from my credit report ( as of the date of this correspondence ). I contacted Seqiuim Asset Solutions, the debt collector, to try and resolve this ; however, they have told me I am no longer in their system and that XXXX  is the one that placed this on my credit report, and that XXXX  is the only one that can remove it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.

18 U.S. Code 1028A - Aggravated identity theft- ( A ) ( 1 ) Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit reporting or other personal consumer reports

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Debt collection

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Product: Credit card or prepaid card

I attempted to apply for a XXXX credit card but it was declined immediately. I received the letter and they said it was due to " You had a credit account recently closed by Synchrony Bank ''. They were referring to a XXXX XXXX XXXX card that was closed due to inactivity, because you know, we don't buy sofas and beds every 6 months. They closed it after I paid the balance off and was inactive for about 6 months. 

I have XXXX credit score with very good income and excellent payment history. I called their hotline but no one was able to help me. I asked to speak with an underwriter to discuss this, and I was transferred to " XXXX ''. He began telling me everything I already explained to him, and I said I wanted to discuss with an underwriter. He said they don't have underwriters, everything was system approved. 

I find that very hard to believe, and if true, then it's quite unfair. Like in my case, they're basing my denial off a store card that they closed because I didn't buy some furniture in 6 months. It's not because of bad credit or payment history. I was trying to get a promotional offer but I guess I'll just pay in cash and now have a hard inquiry added for no benefit of mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). It's due to the fact that there are irregularities in my consumer report, It's compelling and greatly damages my reputation as a consumer. I do hope that these things will be taken care of.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has an amount of {$250.00} they accuse me of owing, they have sold this account to several collection ( Transworld Systems Inc and Now XXXX XXXX XXXX ) agencies. Which XXXX XXXX has reported this item on my credit report in the amount of {$310.00}. In X/X/2015 my daughter was seen at XXXX XXXX Hospital, while she was still covered under XXXX ( which expired in X/XX/15 ). So someone drop the ball and did n't charge or follow up with XXXX and now harassing me for an amount that they think owe. I tried to resolve this several times. I even made one payment in error not realizing that this was an account that was suppose to be paid by XXXX. When I requested for my money back they said no. I 've sent a letter too, stating that I do n't owe this money. So here we are now 2 years later. I 've never received a letter from this XXXX XXXX XXXX of validation of this account ; and the amount they are trying to collect is {$310.00} which is a different and higher amount. They reported it to the credit bureau, I called them to inquire and they ca n't even find me in their system, but yet this charge is on my credit report.
Product: Credit reporting or other personal consumer reports

I was checking my credit report for accuracy and i found a lot of fraudulent inquiries on my credit report that was not authorized. I have been a victim of identity theft and i have made this report to dispute all the fraudulent activities on my report and was opened a while ago without my consent. Please dispute and remove all fraudulent activities from my credit reporXXXX 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
Product: Debt collection

Someone shipped stuff and asked XXXX to charge the shipment to my account number. ( By the way, I don't understand how XXXX accepts that without my ID ). When I received the invoice in XX/XX/XXXX I called XXXX right away. I had to call them many times until finally the Fraud Department removed all the charges in XX/XX/XXXX and set the balance of my account to zero. However, in XX/XX/XXXX I received a letter from debt collector TSI ( Transworld Systems INC ) about this XXXX invoice. Since then I have called debt collector TSI and XXXX XXXX department several times. I informed TSI that is a fraud case already solved by XXXX ( case XXXX managed by XXXX XXXX XXXX XXXX XXXX ). Debt Collector TSI says XXXX need to call them to remove my file. When I call XXXX, they confirm I don't owe any money to them. So I ask them to contact the debt collector TSI to remove my file, and they said they will, but almost one month later I still see my file on the debt collector 's website. I am really worried about the debt collector sending me to the credit score agencies for a debt I don't owe. Also, this is causing me a lot of stress in my day-to-day life. I need this issue to be fixed as soon as possible. 

Important note : My last login date before receiving this invoice was XXXX ( see attachments ). This proves the fraud was committed offline, not online. I don't understand how XXXX charges a shipment to an account number without verifying the account holder 's ID.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit reports. I do not recall giving these companies nor the credit bureaus permission to share my credit report with these companies. This is a violation of my consumer privacy and protection. this is apparently fraud and the credit bureaus have done absolutely nothing about it. ( 15 USC 1681 ( A ) ( 4 ) ) I have attached my id so do not try any of your tactics to not validate this information and further violate me! Validation will require documentation not merely your words on a paper stating it's verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 a Bank XXXX XXXX was reported as an inquiry to my credit report. So, I filed a police report to report this inquiry to Transunion and XXXX. XXXX removed this inquiry but Transunion refuse to remove it. I contacted Transunion around XXXX to see why they are not removing the inquiry. They said in order to remove the inquiry XXXX must filed an FTC report in order to remove the inquiry. My FTC number is XXXX. As XXXX went by, I contact a Customer Service on XX/XX/22 about the Bank XXXX XXXX inquiry. They told me they haven't received it even though which was confusing but the ladie will filed a investigation on what happen to the letter, so they are telling me they are waiting on my FTC report. So, I sent another FTC form that same day and I have a receipt to prove that I sent it and the XXXX XXXX say they should receive it on XXXX/XXXX/22. I contacted Transunion today XX/XX/22 about any updates and they told me they received the FTC form on XXXX/XXXX/22 and they say it was declined because it didn't have a date on it. Now the last time I call the rep say they didn't have it and now they had it since XX/XX/XXXX and was declined because of no date which is false because it is a date on the form. So, I'm becoming impatience and ask to speak to the supervisor and she is saying now I need to get a letter or Form from Bank XXXX XXXX that I have to send to Transunion now to move forward. I knew something was up and the XXXX will not remove my inquiry. I contact them again and I told the rep you are telling me you can not removes this inquiry but according to Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. The Customer Service do not want to answer and kept saying the supervisor said we can't remove this inquiry. So when I told him can you please answer my question yes or no, he hangs up the phone. The Transunion customer service reps did not want to help solve my issue just to only give me the run around by adding more things in order to remove my inquiry. I want to file a complaint.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Product: Payday loan, title loan, or personal loan

I applied and was approved for an SBA PPP loan on XX/XX/2021 through this XXXX lender. Loan Number XXXX. This lender has reported the loan to the SBA the loan as actively disbursed. It was never deposited into my account. The companies listed address is closed. They do not answer then phone. I sent them a certified letter to make the deposit on XX/XX/2021. It was received at their closed office. As of today XX/XX/2021 this XXXX lender has not distributed SBA PPP loans to thousands of people. This company has committed fraud against me, has not communicated with me in any way about the loan since it was processed, and has not deposited the funds into my account.
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccuracies on my credit report with Experian. Several accounts are incorrectly reported as derogatory, delinquent, or charged off without proper verification or compliance with federal and Metro 2 standards. Despite my dispute, Experian has failed to provide supporting documentation to validate these accounts. 

Key Issues : Experian is reporting inaccurate and unverifiable information. 
The listed accounts lack proper documentation proving their validity. 
Experian has not provided proof of permissible purpose for certain inquiries. 
Errors in balance owed, account status, and last activity dates are negatively impacting my creditworthiness.
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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian and XXXX about inaccurate information being reported on my credit report on XXXX from XXXX XXXX XXXX. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.
Product: Checking or savings account

In XXXX, I opened a new HSBC Checking account and HSBC savings account. For the checking account, per HSBC online offer terms, I should receive {$60.00} bonus every month for the first 12 months if I have direct deposit of at least {$3000.00} into my checking account each month. I already met this requirement for the first two months since I opened my account. However, I have NOT received any of the monthly bonus yet. 

I called HSBC customer service to report this issue. However, the bonus still has NOT been posted to my account yet. I am writing to request HSBC to immediately post the {$120.00} bonus for the first two months to my HSBC checking account.
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. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.