23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681b permissible purposes of consumer reports : 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. This has violated my rights under the FCRA. 15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history, charge off status ), between the consumer and the person making the report ;. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, XXXX XXXX and EQUIFAX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, EQUIFAX and XXXX are not an affiliate. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. According to my XXXX, EQUIFAX, and XXXX report, this debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness as a 1099-C is filed. I kindly request assistance in reviewing the charged off amount associated with the original creditors XXXX XXXX XXXX and also request that an inquiry be made to the third-party debt collector, for actual verification and validation affirming that they have a contract with me bearing my signature. Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given XXXX, XXXX, EQUIFAX, XXXX XXXX XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and on XX/XX/XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report Exeter Finance llc pull my credit Four Times give me more Inquires so on XX/XX/XXXX saying iam Delinquent and XXXX XXXX , XXXX , ... 
Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto 1XXXX, to get our payment in ... Exeter Finance put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... 
.Iam unemployed from XXXX in XXXX XXXX Utah XXXX.Me my wife fell down got hurt.She fell XX/XX/XXXX i XX/XX/XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account l am asking you to verify as accurate : XXXX XXXX XXXXXXXX Account Num : XXXX XXXX  XXXX Account Num : XXXX Possible account num : XXXX XXXX Account Num : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized credit inquiries listed on my credit report. Upon reviewing my recent credit report, I noticed several inquiries that I did not authorize and which are negatively impacting my credit score. These inquiries are as follows : Inquiry by : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX, XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX I am concerned that these inquiries are fraudulently affecting my credit rating. I have never given permission for these entities to access my credit file, nor have I conducted any business with them that would necessitate such inquiries.
Product: Mortgage

My husband and I are in the process of doing a Boundary Line Adjustment with our neighbors. We are acquiring property through this adjustment and it is a cash transaction. We need lender consent for the county to complete this process, even though we are acquiring the property and adding value and land mass to our property. 

I emailed the documentation on XX/XX/XXXX, I again efaxed it on XX/XX/XXXX. Through a complaint through my original broker, I was contacted by United Wholesale Mortgage via email and sent the documentation again on XX/XX/XXXX. Today is XX/XX/XXXX, approximately XXXX weeks after the initiation for lender consent. I have just spent XXXX hours on the phone with United Wholesale Mortgage and after being passed around to XXXX different people, no one can verify at what stage my request is at. Supposedly the supervisor of the Special Products Division was contacted but would not give status because the review process was not complete. I then talked to an Escalation Specialist who asked that I send the documents yet again to yet another email. I feel we have been very patient, but it is quite frustrating when you can not deal with just one individual sending documentation direct to who is supposedly working on my file. I can only send to general emails and no one will give me their individual contact information so I can deal with only one person. This is not acceptable to a consumer!
Product: Mortgage

I pay my Mortgage by direct debit monthly. My last payment came out on XXXX XX/XX/2018. I noticed as of XXXX XX/XX/2018 my payment has not been withdrawn as usual so I called XXXX XXXX XXXX to provide me an explanation. The informed me my mortgage has been sold to XXXX XXXX. I was not informed of this action at all. I was told a letter was sent out but i never received such a letter. I would like New Day to give me an explanation in writing on why i wasnt informed that my mortgage lender had changed. I would also like information on my new Lender to provide them the new direct debit info. I attempted to call them but all they wanted to do was quote me a bunch of legal mumbo jumbo.
Product: Credit card or prepaid card

Have not received Trip Delay Protection from Citi-Advantage/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX in a timely manner. 

I made a claim for trip delay protection from XXXX  XXXX XXXX on XX/XX/XXXX for a total {$340.00} to be paid by check. 

I have not received {$340.00} by check as of XX/XX/XXXX. My account was erroneously credited for {$310.00}. 

I've made several attempts to correct the issue with XXXX  XXXX XXXX and I have not been able to resolve either the issue of the missing {$30.00} per their guidelines nor the issue of receiving a check as stipulated in my original application. 

The guidelines stipulate " Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination ''. I did not arrive at my scheduled final destination until the next day.

Attachments : Guide, portion of claim indicating " mail me a check '' selected. ( signed original available upon request ) =========== from Citi AAdvangage Your Guide to Protection Benefits : page 10 .

Trip Delay Protection How Long are you Covered? From Trip Departure Date to Trip Completion Date.

Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened up an account in my name with Nordstrom. I have continuously disputed this account and have spoken with several reps at Nordstrom. I was told by the Nordstrom reps to dispute the account with the collection bureaus, I have done everything asked of me, however they have done nothing to resolve this issue. I have sent in a Police Report and an FTC report and still nothing has changed.
Product: Mortgage

We recieved a call from Ditech on XXXX XXXX, 2017. The rep advised us that our payment was short and had gone up for this month and going forward. We were asked to pay the XXXX that it was short. My husband paid it over the phone right away. The rep assured him that we paid it on time and we would not be assessed a late fee. the next month we received a statement advising that we we were charged a late fee. I called and was told that they would not waive the late fee, even though it was charged in error. the payment was not posted to our account until XXXX, but was paid on XXXX. I wrote a letter to ditech and they advised that the late charge would not be waived ( XXXX ) I do not believe we should be assessed a late fee as we made the payment on XXXX, the cutoff date and the rep told us that we would not be charged a late fee as we made the full payment on time. Please help
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and other deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Transfer Act ( EFTA ) as it requires timely access to funds.This situation raises concerned about consumer protect laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I have reached out to the company multiple times about the federal violation. They violate Rule 9037 of the federal law privacy act in 605b I reached out multiple time with no result and also I have reached out to the XXXX XXXX. I have included a dispute attachment and also I have reached out to the court and I have included a attachment.
Product: Credit reporting or other personal consumer reports

Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good dayXXXX
Product: Credit card or prepaid card

XXXX Credit Card by Commenity Bank offered covid 19 assistance during the onset of the pandemic. Not only did they misrepresent but they are not honoring their commitment to waive pandemic late fees. They are lying about no records of reporting the late fee waiver.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with inquiries I did not authorize, Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts :
Product: Debt collection

XXXX XXXX XXXX XXXX has placed a debt on my credit report that is not mine. I have disputed this account given I have never done business with them or their affiliates. I have had this account removed from my credit report and it has since been sold and replaced on my credit report as an active debt that was generated in XXXX. This account was originally from a company called " Speedy '' of which I have not done business with. I was notified by XXXX  that this account was sold in XXXX and listed as a collection account that was brand new. This has caused a XXXX point drop in my FICO score. I have explained to XXXX in the past that in XXXX my wallet which contained my social security card was stolen and items started showing up on my credit there after. All of which have been removed but every so often the account gets sold to some new debt buyer and they change the dates and replace it as a new account that I authorized. I have never done business with 'Speedy ' or XXXX XXXX XXXX XXXX. This account is XXXX.
Product: Credit card or prepaid card

I disputed a charge on my credit card and was denied and they asked for additional evidence. I submitted the additional evidence but it was outside of their time frame. The only reason I was late to submit this information was because they mailed me the information about the case, even after I requested that they send me a message online. 

I had two fraudulent charges from a rental car company and I had the contract to prove it. I submitted the contract and they told me that it was outside of the timeframe for submitting new evidence.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received two payments on Venmo from my neighbor. I called and texted her to find out what they were. She requested them back and I sent them. She was the subject of a scam but I did not know that. The payments were from her mother and herself. The money that I sent back to her at her request was stolen from her. Venmo recommended to her that she dispute the transaction at her bank. She followed their advice and both her and her mother disputed the transaction with their respectives banks. The banks initiated an investigation into each of the payments returned from MY account, not the scam or fraudulent activity. Venmo froze my account. On a customer service call, Venmo told both my neighbor and I that there was nothing they could do and the investigation was the banks ' responsibility. On behalf of the banks, Venmo requested evidence. I provided a series of text messages showing that I had no knowledge of the transactions, had asked my neighbor what happened and she had requested that I return the funds to her. On the basis of the same exact evidence, one bank resolved the investigation acknowledging I did not request the payment, and one bank decided otherwise. That bank charged me {$2500.00}. Venmo is requesting that I pay the full amount. They froze my account but allowed a payment of {$69.00} to go through from another individual and then credited the payment to my " debt. '' They will not allow me to request an investigation or dispute the charge. Venmo acknowledged this type of scam happens regularly but they refused to carry out their own investigation. Venmo has charged me thousands of dollars for a transaction that was initiated by someone else. No sale was made. No product exchanged. There is clear evidence of this. However, Venmo will not act in the interest of protecting their customers.
Product: Mortgage

XXXX XXXX XXXX XXXX California ) and their collection agency, Wells Fargo Home Mortgage ( Iowa ) are attempting to collect through a fabricated XXXX XXXX application which was DENIED in XX/XX/XXXX, by a fabricated foreclosure filed XX/XX/XXXX. My property at XXXX XXXX XXXX XXXX, XXXX, IL is paid in full and the application for mortgage was for rehabs at XXXX and XXXX XXXX XXXX, not my premises. Documents were switched to my property, using blank, undated, un-initialed, robo-signature and ID theft to open 12-215 unauthorized accounts in my name with out my knowledge or consent, and unjustly enriching bank by retaining the proceeds..Each time I settle on one account, they try to collect on a new account number. Wells Fargo is engaged in a fraud, scam and elaborate con-artistry in which an agent informed me they collect on fabricated defaults to match bogus, fake notes and foreclosures from federally backed insurance for as much as {$200000.00} to $ XXXX for each account, amassing from $ XXXX {$4.00} XXXX. property costing me only {$100000.00}. Wells Fargo targets the most vulnerable of society, XXXX-Americans, XXXX, females, elderly and XXXX - all of which I qualify. I borrowed no money, never had a closing, never received any proceeds.
Product: Money transfer, virtual currency, or money service

Ive had Zelle for some time, I ve lost money And I feel as if my privacy and rights also been lost and anyone can access my information. Im highly disappointed. 
Compensation for my loss would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The disputed item is for {$210.00} and I do not owe this debt as it is a result of identity theft. I have provided this information to the creditor and they have failed to verify identity of the debt. I will be filing a formal complaint with the FTC, insurance commissioner, attorney general and lastly filing a civil suit for damages due to the negligence of XXXX XXXX and the emotional distress this has caused me. They have violated my rights under the FCRA and I will no longer allow this to go on.
Product: Mortgage

I have been working with Chase Mortgage Lending call center @ XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX. 
On XX/XX/2020 Mr XXXX XXXX my mortgage Advisor requested I pay {$500.00} in " Good Faith Funds '' for my file to go to Loan Review. He told me this {$500.00} would be a credit at closing. The property to purchase : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. A condo. 
On XX/XX/XXXX Mr XXXX sentan appraiser to this address. On XX/XX/2020 My sales agent told me this condo was in a fema flood zone and the condo assn. Does not carry flood insurance. Chase does not lend on flood zone property. The only remedy offered me is not having to front {$500.00} on another contract but pay again at closing. I want a {$500.00} refund as I do not want to deal with Chase Mortgage again and I am a XXXX y.o. senior citizen living on SS of $ XXXX  month. I was not truthfully told the purpose of the {$500.00} fee and I do not think an appraisal should have been ordered on a property in a flood zone. Contact info. At Chase : Mr XXXX XXXX Home Lending Manager of Dept @ XXXX. 
Thank You XXXX XXXX XXXX
Product: Credit card

I am writing to file a complaint regarding the denial of my credit card application submitted on XX/XX/XXXX. At the time, I was unaware of my rights under the Equal Credit Opportunity Act ( ECOA ), but after reviewing the law, I believe the denial may have violated my rights.

. Upon learning about my rights, I contacted the lender today XX/XX/XXXX which was supervisor. to resolve the issue. I spoke with a supervisor, whose agent ID number is XXXX, but the situation has not yet been resolved. 

I am requesting that the CFPB investigate this matter, as I believe my rights under ECOA were not fully respected in the credit application process. Specifically, I would like a request of my credit aplication, if they cant resolve this issue. 

Thank you for your attention to this matter. I am happy to provide any additional details or documentation as needed