23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/year> I entered into a XXXX XXXX Loan where they give me an equity loan and the repayment is based on an amount of the value the equity of the home has grown between start and payoff. I was told that I could make payments on this loan or I didnt have to. I was told I could refi my house and pay it off or sell my house and pay it off. I recently opened a second mortgage to consolidate debt and XXXX XXXX required me to pay this point loan off. I ordered a payoff statement from XXXX. They sent a payoff schedule that the rates change on from week to week. 1 month after payoff schedule was sent, XXXX XXXX sent a layoff check to XXXX. XXXX returned the check stating that they do not take partial payments ( account has to be paid in full ) but their system makes it almost impossible to pay in full as the amounts change almost daily. XXXX  ALSO GOES OFF OF ITS OWN INTERNAL APPRAISAL for properties, meaning they attach their own values to your home. For example, when I started this process they valued my home at {$XXXX}. Fast forward XXXX years and theyre valuing my home at {$XXXX}. And I have to pay a percentage of the difference. Which they decide and if I dont pay in full they wont accept the payment. I feel like I am trapped by this point loan. Im trying to make the right decision but with their assessed value changing so often I cant even save up enough money to get it paid off. They undervalued my home at the time of the loan, by about {$XXXX} so immediately they made money off me.
Product: Debt collection

Numerous ( missed ) phone calls weekly from Cavalry Portfolio Services which began XX/XX/2023. These calls were not answered due to my sleep habits of working night shift. I researched company in curiosity and discovered it was a debt collector. My information was recently compromised in XX/XX/2023. I have no knowledge of authorization of my personal information in attempt to collect debt. Please have documentation, with wet signatures, sent for verification. If Cavalry Portfolio Services is unable to provide requested documentation with regard to federal laws please remove information from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY XXXX
Product: Debt collection

Hi, I was actually talking to a representative from XXXX XXXX XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, XXXX requested the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses below are showing on my credit reports and I have asked previously for them to be removed. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
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 XXXX. 
ACCT # XXXX. XXXX, XXXX, XXXX, XXXX XXXX. 

XXXX ACCT #. XXXX XXXX Acct #. XXXX XXXX XXXX XXXX XXXXXXXX. 
ACCT #. XXXX XXXX XXXX XXXX XXXX ACCT #. XXXX XXXX ACCT #. XXXX XXXX ACCT XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT #. XXXX XXXX ACCT XXXX. XXXX XXXX XXXX XXXX ACCT #. XXXX XXXX XXXX XXXX ACCT #. XXXX XXXX XXXX XXXX ACCT #. XXXX XXXX XXXX XXXX ACCT #. XXXX XXXX XXXX  ACCT #. XXXX XXXX ACCT #. XXXX XXXX XXXX XXXX XXXX  XXXX. 
ACCT #. XXXX XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy :15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an 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: Debt collection

On XX/XX/19 called orginal creditiorc after seeing new address add to my credit report and services i connected the company advised unauthorized as i dont reside there there notes indicates closed no balance.Company not sure why months later ipen same fraud address and sent collections after account was closed. There cooperate supervisor didn't see this as a problem and calling billing to correct collections refused to return acct and delete any personal information profile from there system which should not be there but do to original credits error
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank account number-XXXX  XXXX XXXX XXXX XXXX BANK XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCYXXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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: Debt collection

Okay on  XXXX   XXXX    XXXX   XXXX   informed me that a collection account was place on my credit report. It says a medical collection the collection is from a hospital visit in  XXXX   XXXX  which was paid by my  XXXX  I called  XXXX  and they informed me that yes they went back all the way to  XXXX    XXXX   and paid bills from when I was n't insured as is required by law! I contacted this company  XXXX   XXXX  and informed them of this as well. I never received any documents letting me know about this suppose debt or anything it just popped up on my credit out of the blue right when I got m y credit score up and ne gative information removed and paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has dropped from XX/XX/2023 from XXXX to XXXX XXXX XXXX XXXX without a balance and the only change was hard inquiries dropping off. In XXXX of XXXX my credit report showed XXXX. I'm a XXXX women XXXX XXXX of age with XXXX. XXXX XXXX, TransUnion, XXXX has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Product: Credit reporting or other personal consumer reports

XXXX and Experian has failed to verify the debt listed in the letter under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on the following dates XXXX XX/XX/XXXX to Experian, XXXX XXXX and XXXX in reference to the Public Record reporting inaccurate data on all 3 of my credit reports. No response has been sent to me via usps postal services or via email. they are in violation of my FCRA rights. no proper investigation was done. 

Bankruptcy ( PUBLIC RECORD ) Date Filed/Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX 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: Payday loan, title loan, or personal loan

I took out a payday loan in XXXX of 2016. I made months of payments. When I asked, after many, many, many payments, what my payoff amount was, I learned that not XXXX cent of the hundreds of dollars I had paid back, for a {$600.00} loan, had not been applied to the principle. Not XXXX cent! I quit paying out of frustration at getting no explanation. We are currently in litigation. I find, in court, that most of the court cases are for EasyCashASAP. So, I am not the only person. I simply would like for their practices to be investigated. Thank you. Also, I do NOT want a response from them!! Therefore I will not be passing along my loan number. Just please check them out!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke to XXXX about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX   as well. The inquiries that need to be removed are the 5 J.p. morgan Chase inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from XXXX on : XX/XX/XXXX XXXX inquiry from XXXX on XX/XX/XXXX XXXX inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.
Product: Credit card

Target Red Card reported delinquent payment due to insufficient fund to the Credit Bureau which resulted in massive downgrade in the my credit score. The issue aroused because the payment has been taken out from my savings account as opposed to checking account. Although, the account has been initially set up as savings account by me, the credit card issuing company 's system does not provide any visible indication what type of the account the payment account is set up. It also does not provide that information in their payment confirmation detail. Without sufficient disclosure of where the payment is being taken out, the burden is on me to try and remember what account was set up initially ( which could be many years prior ). This is an undue burden upon consumer. The credit card issuing company 's system need to be fixed and confirmation details also need to be updated to reflect the payment sources. Without it, the consumer is on the dark and unnecessary fees and credit reporting issues is being incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that they be remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


XXXXXXXX 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 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
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Product: Debt collection

When I paid you, I relied upon the belief that you would do the honorable thing and remove your nasty and derogatory comments from my credit bureau files which you not only failed to do but actually changed my listing to paid collection which is a far worse rating in the eyes of any potential future creditors.

In doing so, you obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law.

Here is what the Doctrine of Estoppel is and how it applies to your violations of it. In order for the doctrine of estoppel to apply, the party of the first part ( you, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice.

In your communications with me you told me that you would update my credit reports as soon as I had paid the debt to you. Quite naturally, I assumed and relied upon your statement to that effect to mean that you would mark the account as " paid as agreed '' or even quite possibly remove it entirely.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Product: Mortgage

My taxes were inaccurately projected on my annual analysis, therefore a great deficit was created resulting in a large and unaffordable increase to my mortgage. I brought this to their attention in XX/XX/year> and have made over ten calls. I sent via email and online attachment all tax bills from my city to show inaccuracies. I am falling behind in my other areas of debt due to this. Its created a financial disaster for my family with no solution.
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 XXXX 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 users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.