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

Consumer was notified that in XX/XX/XXXX, a home equity line of credit was opened in her name under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Consumer was notified in XX/XX/XXXX, a mortgage loan was opened in her name under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for an amount of $ XXXX $ XXXX. 

Consumer was notified that a home equity line of credit was opened in her name around XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

Consumer was notified in XX/XX/XXXX, a mortgage loan was opened in her name under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for an amount of $ XXXX $ XXXX. 

Consumer was notified a mortgage loan was opened in XX/XX/XXXX in her name under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX was notified a mortgage loan ( unknown company ) was opened in or around XX/XX/XXXX with monthly payments of $ XXXX {$1300.00}. 

XXXX was notified a mortgage loan ( unknown company ) was opened in her name around XX/XX/XXXX with a payment of $ XXXX {$2300.00}. 

Consumer was notified of retail credit cards in her name for XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Consumer was notified that a mortgage loan was opened in her name in XX/XX/XXXX belonging to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was notified an auto loan/lease was opened in her name in XX/XX/XXXX with monthly payments around $ XXXX $ XXXX. 

Numerous unknown addresses have also been reported ( photo attached ). 

NO AUTO/MORTGAGE ACCOUNTS NOR CREDIT ACCOUNTS BELONG TO CONSUMER XXXX XXXX XXXX AND ARE IDENTITY THEFT/FRAUD NEEDING IMMEDIATE INVESTIGATION. 

CONSUMER CONTINUES TO GET NOTIFICATIONS ABOUT DARK WEB DATA BREACHES AND CAN NOT LOCK HER SOCIAL SECURITY DUE TO THIS MASSIVE IDENTITY THEFT UTILIZING CONSUMER 'S NAME.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my XXXX WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of yourWillful disregard of Federal Law. 
When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within XXXX  days as required by law and Court will order you to delete them. 
You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 
The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX  Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount___ $ XXXX Account Name_XXXX_______ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount_ {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my previous complain, again, I am submitting this CFPB Complaint to express my extreme dissatisfaction with the inaccuracies contained in my credit report. As I reviewed my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$350.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX  XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX, discovered charges on my JC Penney account that were not mine. Total of {$2500.00}. Some of these were made in mall in XXXX XXXX XXXX Florida. I am in Kansas, never been to Florida. All of the charges of been taken off, but one XX/XX/XXXX {$52.00}, on line order. Now there is a {$21.00} interest charged, which is not mine. On XX/XX/XXXX, I paid my charges in full of {$1300.00}, due on XX/XX/XXXX, confirmation XXXX. I want to completely close this account, will never have another charge card from JC Penney. I can't close this with an amount still due. JC Penney has sent 3 new cards all with different numbers, I have not activated the last 2. My account is locked. Changed my password and took all payment methods off, on line. The hackers changed all my contact information, Synchrony Bank changed it back to me.
Product: Mortgage

Hi there, My wife and I are in bankruptcy. Due to this, our bankruptcy payments go through the Trustee who then makes payments to the mortgage company. Those payments are sent in a timely manner each week and we have had no problems ( been in bankruptcy for 4 years ) until now. Click n Close ( aka-Mid America Mortgage XXXX XXXX XXXX XXXX XXXX has taken over the loan. They refuse to pay the insurance to our home insurance company XXXX XXXX. The legal documents for Case # XXXX include the instructions that mortgage and insurance payments are to be paid through the bankruptcy case. We are not behind and our attorneys have attempted to rectify this with the mortgage company, but they do not answer. If they do answer us or the attorneys, we are given information to silence us but they are uncooperative and unprofessional. 
At this point, we need our home insurance paid and Click n Close ( or the sister companies ) has the money but are refusing to pay. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information on my reports with the Credit Bureaus
Product: Money transfer, virtual currency, or money service

I have had a Crypto.com account for years now and recently changed my phone number. Since I no longer have access to the phone number associated with my crypto.com account I am not able to login to the account and manage it. I have attempted to update my phone number numerous times and have had numerous conversations via chat with Crypto.com representatives which has so far been a complete waste of time. I was asked to submit identity verification and did so successfully however the simple request to change my phone number has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've retained Federal Debt Relief to assist me with paying off debts of which I admit was improper planning on my behalf. Since XX/XX/2020 I have been paying a little under {$600.00} a month and never missed a payment to them.Thats alot of money personally to me and was astounded to learn after I reviewed a credit report that my score is at the bottom of the barrel. I'm not deserving of a great or even good score by any means but remaining at the bottom doesnt seem right. I did stop paying them ( creditors ) as I worked with XXXX but I wasn't crazily behind. It Now appears I've been a complete failure trying to make things right with several creditors I have I believe 5-6 creditors who have me as " Charged off ' or " SERIOUSLY Past due ''. 
-Some creditors out there have had balances under {$1000.00} or even {$500.00} and XXXX would Not let me pay them off as people offered to help me.Instead we are on 2+yr deals to pay them. They did let me now if I put more $ $ in my acct things would get better. I tried that and it did get better ... for them. They collected their fees much quicker, Nothing else. ( They know this is reality, I already know what and how they will respond to that in a mostly structured, standard XXXX  response ). 
-I also have a few accounts where the creditors are being paid {$1.00} a month, you heard me {$1.00} a month, they will have a response for that as well as you are aware. 
-I 'm going backwards with my credit, straight backwards. 
-Its clear my credit is going backwards and backwards... ..and then when I'm finished with them add 7 yrs where my credit will look like what they are creating for an unknown reason. What are they up to if you can answer? If anyone knows its you ... and them. 
Thank you XXXX
Product: Debt collection

On XX/XX/2022 at approximately XXXX, I received a phone call from who later discovered was Midland Credit Management XXXX They asked if I was XXXX XXXX, and I asked who they were, and they said they were with Midland Credit Management, and asked again if I was XXXX and if I was XXXX XXXX 's husband. I asked again, why they were asking and what it was about, they said it was regarding a financial business matter with XXXX and asked again if I was her husband. I finally said that I was XXXX 's husband, and then they said they were with Midland Credit Management calling about a debt with XXXX XXXX Credit Card with a balance of {$840.00}. They then asked what the situation was to make us fall behind and how we were going to resolve this. I told them they were violating federal and state laws by talking to me about her debt and not to call me again. The representative kept on and told me that if I live in Arkansas they can talk to me about it. I told them that they were violating federal law by talk to me and they didn't need to contact me again. They continued to try and talk to me about her debt, and finally I told them that I would filling a complaint with the Arkansas Attorney General, US Attorney General, FTC, and filling a lawsuit for violation right under the FCRA and FDCPA, and hung up. 

This is in clear violation of Title 15 USC, Chapter 41, Subchapter V, Section 1692b ( 2 ) and Section 1692c ( b ), which states that they may only ask location and contact information from a 3rd party, but may not disclose any information relating to the debt, like creditor name or amount of debt. Arkansas has a similar law, ACA 17-24-504 ( b ) and 17-24-503 ( 2 ), which says pretty much the exact same thing.
Product: Money transfer, virtual currency, or money service

Im writing to express my problems with Zelle handling my disputes, mainly in act of the recent events of the CFPB Lawsuit about issues with the platform. Ive used Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds is impossible and tracking these funds or unfeasible. The CFPBs findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to hackers and scams.
Product: Checking or savings account

XX/XX/2019 - I was trying to access my J.P. Morgan Chase Checking Account information via their online portal. I was unable to access it because my internet browser support had been discontinued and blocked. 

They were requiring to install internet browsers that were incompatible with my computer. 

There had been warnings from the website login page that this could happen and I had already contacted and warned their support group that my system could not use the browsers that they were recommending because of their lack of compatibility with my system or my misgivings about their security. Further I advised them that I had other software that would be effected by an OS/Hardware upgrade. I also recommended that since I am likely not the only user with a legacy system that they should have an alternate site for those customers. 

I was trying to use XXXX XXXX browser version XXXX which is the latest version of XXXX I can install on my XXXX XXXX XXXX running XXXX XXXX XXXX ( XXXX ). 

When I contacted J.P. Morgan Chases support line, they stated that they only support from version XXXX and up. My computer can not support the OS required to run that browser. However my computer is in excellent running condition and has been able to access that data with no difficulties before this. 

For now, I am accessing the data through a virtualized XXXX XXXX with XXXX XXXX ( XXXX ) but this is only a stopgap solution. It is significantly slower than using the base OS of the computer. 

I am able to access other finance services online without being required to use this later version of web browser. Further none of the browsers they recommend will operate on my computers Operating System. 

I have a significant investment in my computer and its software. This is an unreasonable and unrealistic burden to be placing on customers when banks are constantly pushing customers to access their data online.
Product: Credit card

My SSN Is About 8 Months Old and They Show Some Credit Card Of Chase On My Credit File. From Like 2013. Actually At That Time I Was Not In The United States.
Product: Debt collection

I was in a bad place just starting job and needed money but due to bad credit I was able to get a XXXX dollar loan from Ace Cash. I was able to pay in full the first time but it left me short of rent, which meant I took out second loan at same amount to pay rent. I was unable to pay due to unexpected medical expenses and being a single father paying child support on one child and supporting the other as well as paying bills by myself it has left me in a tough position to pay back. Ace Cash started calling and I tried to find a way to pay them back incrementally without leaving me and my children homeless just to pay them back on a XXXX dollar loan. They started calling me on my work phone threatening to contact my supervisor and apprise him of situation, which has nothing to do with my supervisor. I tried explaining what amounts I can work with and they refused to make an acceptable amount and they were making me commit to a XXXX dollars every 2 weeks for the next 18 months. So now from XXXX they have gone to XXXX, I have tried a few times to have them if I don't have it to give at this time what am I supposed to do. I can do incremental payments of XXXX but not every check.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Account Information Account Number XXXX Dear Sir/Madam, I hope this message finds you well. I am writing to request specific information regarding the account referenced above. Please note that I am not disputing the account or its status on my credit report ; I am simply requesting clarification on the following details for my records : XXXX. The date of first delinquency for this account. 
2. The date of the last payment made on this account.

3. The date this account was charged off.

I would appreciate it if you could provide this information in writing at your earliest convenience. If you require any additional details from me, please feel free to contact me at Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Payments sent through XXXX and PayPal through a scam that happened to me.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I have taken the necessary steps to protect my credit and financial information. Pursuant to 15 U.S.C. 1681c-2, I have submitted an identity theft report to the credit reporting agencies and requested that all fraudulent information and credit inquiries resulting from the identity theft be blocked from my consumer report. 

The Fair Credit Reporting Act prohibits credit reporting agencies from furnishing any information in my file that I have identified as resulting from identity theft. 

I am entitled to have this information removed, as it was obtained through unlawful means and does not accurately reflect my creditworthiness. The credit reporting agencies must comply with my request and ensure that my consumer report is free of any fraudulent activity stemming from the identity theft incident.
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear Experian XXXX Department, I am writing to formally dispute several accounts on my Experian credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Upon reviewing my credit file, I identified the following accounts that I did not initiate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under investigation.
Product: Credit card or prepaid card

Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment for XXXX month to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX XXXX department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to XXXX I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX XXXX   will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.
Product: Credit reporting

After viewing my credit report on XXXX XXXX, I see that there are XXXX inquiries from XXXX XXXX. I agree with the inquiry on XXXX XXXX, but I am asking for the XXXX XXXX inquiry to be removed, it should not be XXXX inquiries on my credit report from XXXX XXXX. I did not apply for the card until XXXX, which you can see on my credit report that is the same time the agency started reporting on my credit report. That is not fair or correct to have the XXXX inquiries. It should be just XXXX.