23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our problems began with our mortgage company from day one with the deed .My wife 's name has never been on the deed but the company kept saying it was and that they would send us proof. Proof never arrived and we had to pay a lawyer XXXX dollars just to verify that we were correct. 
Next our payment for XXXX of this year was sent out in XXXX but got lost in mail during the massive flooding in Texas ( The payments have always been tracked through priority mail, just as this XXXX was and proof can be furbished ) .To correct the lost payment we sent BOTH XXXX and XXXX payments in XXXX check together with copies of the tracking info and stated that we cancelled the check that got lost in the mail during the weather issues in Texas . When the payment was processed their processing department misprocessed the payment and only payed the XXXX portion and put the XXXX potion toward our escrow. They also made a payment amount error there because our XXXX payment was lower than the increased payment that started in XXXX. We fought with them for days before we finally got someone to actually look at our payments and admit they made the error, they then told us it was our problem to fix. How in the XXXX am I suppose to go to their processing department and fix their mistake? We sent our payment this is not OUR problem to fix, IT IS THEIRS TO FIX. 
Furthermore in the middle of XXXX our XXXX payment, Which we told them in writing was cancelled, arrived. They proceeded to try and cash the check they were informed was cancelled and then have since tried to send our account to collections. They have also charged us unwarranted late fees due to both the error they made processing our XX/XX/XXXX/XX/XX/XXXX payment as well as charged us a late payment for the check that we proved got lost due to weather in XXXX. 
We have all our records and provide proof that our payments are all up to date, including the extra XXXX a month we pay to get our escrow sorted out. We are not sure what you will actually need from us but we will be able to provide any statements and proof of payments needed.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my ONE OF MY NUMEROUS REQUEST for you to remove incorrect and inaccurate information from my personal credit report. I received no response to my most recent complaint dated XX/XX/2023. It is my understanding of the law that you must complete any request for reinvestigation within a thirty day time frame. It has been well over 30 days! I have included a copy of my original letter for your records as well as mine and also I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Please take immediate action to rectify these issues. The following information needs to be investigated as soon as possible : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The Balance and information on this collection is incorrect! CAINE & WEINER is the debt collectors and its from XXXX. This was cancelled and i have no idea why it's on my credit
Product: Credit card or prepaid card

I RECEIVED SEVERAL COLLECTION LETTERS REGARDING CREDIT CARDS THAT WERE OPEN IN MY NAME AND NOW THERE ARE BALANCES DUE. I HAVE NOT OPENED ANY CARDS BECAUSE I AM UNEMPLOYED AND HAVE BEEN FOR THE LAST 7 YEARS. I DON'T HAVE ANY INCOME AND I DEPEND ON OTHERS TO HELP ME OUT. I HAVE BEEN GOING THRU XXXX AND XXXX ISSUES AND I DON'T HAVE THE CAPACITY TO DO SO. I AM THE VICTIM OF ID FRAUD AND HAVE BEEN FIGHTING AND BEEN HAVING SOME OF MY FAMILY MEMBERS HELP ME CLEAR MY NAME. PLEASE CLOSE THE ACCOUNTS AND REMOVE THEM FROM MY NAME AND CLEAR THEM FROM ALL THREE CREDIT BUREAU REPORTS AS THIS ISN'T ME OPENING AND PU
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any involvement of any third party involved. My personal identifying information has been improperly used to furnish fraudulent information on my consumer report that requires my written consent, which wasnt giving to XXXX, TRANSUNION nor XXXX which is aggravated identity theft. Fraudulent Accounts : XXXX ) .XXXX XXXXXXXX : {$510.00} Opened : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$120.00} Opened:XXXX XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. After reviewing my credit report I noticed that several fraudulent accounts, inquiries and a address are on my consumer report. The credit reporting agencies policy doesn't supersede federal law. The law says, in case of identity theft a consumer must provide a : 1. FTC Identity Theft Report # XXXX XXXX. Identification 3. Confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. 15 USC 1681C-2 ( A ). 
XXXX and XXXX as financial institutions have not given I ( XXXX XXXX ) the opportunity to opt out the disclosure of said nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of nonpublic information in accordance with 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). Pursuant to 15 USC 6823 ( a ) whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to {$500000.00} for a felony by an organization or imprisoned for 5 years or both. Having the above mentioned information, XXXX and XXXX are both together and separately violating my federally protected consumer and privacy rights. In addition to those violations, you are also committing fraud since you claim to have verified these accounts. I am hereby demanding this entry be permanently removed from my consumer file within 5 days from the day you RECEIVE this letter. 
Im also exercising my right to opt out and suppress my information from being disclosed in XXXX and XXXX products. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and my states Attorney General and initiate legal action against XXXX for violations of the FCRA and pursuant to FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) I'm requesting the following : 1.Who in your company verified these accounts? 2.How did the person in your company verify these accounts? 3. Once again Please provide me with the name of the individual, the business address, and the telephone number of the person or business that was contacted during your re-investigation? Please note that making any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ) of the Gramm-Leach Bliley Act
Product: Credit reporting or other personal consumer reports

I have 7 hard inquiries showing on my credit report that I have tried to dispute because my name was leaked on the dark web. Ive called transunion and they will not remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a victim of a data breach and I would like all of the accounts mentioned to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) On Account number XXXX from XXXX XXXX XXXXXXXX on XX/XX/XXXX a debt was reported in the amount of {$310.00}. 15 U.S. Code 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer.

On Account number XXXX from XXXX XXXX XXXX on XX/XX/XXXX a debt was reported in the amount of {$390.00}. 15 U.S. Code 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer. 

Account number XXXX from XXXX In the amount of {$2000.00}.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelles handling of disputes, particularly in light of recent CFPBs lawsuit highlighting significant issues with the platform, Despite using zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions infeasible the cfpb findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system scamming others multiple times. The lack of accountability and transparency is unacceptable raises questions about this institutions ability to keep consumers safe
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a first payment was made, which we found out today that it was never processed at that time and there was no notification ( by mistake in the account number entered in the system ) from GM financial and then XXXX additional payments were made on XX/XX/XXXX of XXXX to maintain the account in advance. In XX/XX/XXXX we were traveling and we thought that the account had a month in advance, so a XXXX-day delay was reflected in an error due to non-notification of the first payment not processed and not notified.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial in accurately reporting consumer information. It is payment im perative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX account number XXXX ], [ XXXX, account number XXXX ], [ XXXX XXXX XXXX, account number XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments, If unable to furnish such proof, I demand that these payments be promptl updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Checking or savings account

Hello on CHIME BANK stole my social security administration They closed my account with my recollection at all illegally And still can not access miey for months ..I need a layer and refunf
Product: Debt collection

Transunion will not respond to my dispute. I have been in contact with XXXX to remove these or provide validation that they do indeed belong to me. By showing a copy of a sign d contract. When I sent in a dispute for these things transunion sent me a copy of my credit report. Not even acknowledging that they will indeed open the dispute. When i call the representative does not see an open dispute. I do not think they have opened any of the disputes that I have placed. They just keep putting account verified. But they will not respond to any of my correspondence. 

My first dispute was on XX/XX/2017. I sent it certified mail and I got the letter notarized. They just said verified. I sent in another letter stating that the accounts were not validated. They said nothing. I sent in another letter and they sent me a credit report. I sent in a fax and have heard nothing.
Product: Debt collection

XXXX XXXX XXXX recently reported 9 medical bills on my credit report. Prior to their appearance on my credit report, I did not receive a notice of right to dispute for any of the 9 bills.
Product: Debt collection

The companies involved issued my wife credit cards a decade ago or simply created these debts illegally. It is so long ago I have no idea if the amounts are correct. These were never my debts. My wife has paid off these cards years ago but the company is question created fake debts several years ago and I suspect they bought equally fake debts from another dishonest company. In this case not only did they assign me debts that were paid off that were never mine but they illegally reset the starting date for the debt to be within the last couple of years which is impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want information about how people are obligated to have their information shared with the credit reporting agencies. I called and spoke to a lovely representative who explained that people can not opt out of having their credit information shared. She read a passage and tried to guide me to it, but I can not find that information, regardless of the terms I use in the search. I do n't know by what authority credit reporting agencies have a right to information. All other breaches of information are with stores or employers - where people voluntarily used their services and provided their information. In the case of Equifax, sharing information is not voluntary.
Product: Payday loan, title loan, or personal loan

The XXXX  app is not connecting to my Pnc bank  account card for some reason it says that Pnc isnt allowing my account to link to other accounts thats whats going on. Its not letting me cash out any money from the app
Product: Debt collection

SOMETIME AROUND XXXX OF 2012 AN ACCOUNT WAS OPENED AT SYNCB/XXXX XXXX. I DONT KNOW AN AMOUNT BECAUSE I WAS A VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX AND XXXX 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 XXXX XXXX before the payment due date. 

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 XXXX XXXX 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 or other personal consumer reports

this account # XXXX was disputed back in XXXX and was still showing on my report up until my second dispute. Now it is removed that is a violation because it shouldve been removed from the first dispute as it was sold to a third-party as a charge off, I dont owe any debt via the FCRA LVNV violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. *Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )
Product: Mortgage

Applied for a mortgage loan and locked in an interest rate in XXXX after getting a pre-approval letter and having an offer accepted on a home. Was not told during the pre-approval process or anywhere during the start of the loan application process that I had the option of waiving escrows to reduce my closing costs. After receiving my first loan estimate, was told that I would need to produce additional proof of " reserve '' funds to be available at closing in order to get through underwriting. At that point, asked if waiving escrow was an option and was told by the loan officer ( XXXX XXXX, XXXX # XXXX ) that this was an option, but he would be 1 ) taking away a " lenders credit '' and 2 ) adding a new " loan fee '' in retaliation for my waiving escrows. This loan fee was NOT mentioned anywhere on my initial loan estimate, the revised loan estimate, or the initial closing disclosure ( the latter of which also had a number of other accounting inconsistencies ). Two days before closing ( XX/XX/XXXX ), I still have not received an updated closing disclosure and have not been given a justification for why they are adding this NEW loan fee that they did not previously disclose on paperwork anywhere before. Extremely unprofessional experience dealing with XXXX, who lacks attention to detail, and KeyBank, who have added new fees out of nowhere, without disclosing all my options at the start of the loan process.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card accounts opened at XXXX XXXX on XX/XX/XXXX, XXXX  XXXX account opened on XXXX a credit card account opened at XXXX XXXX on XX/XX/XXXX, and a banking account open at XXXX XXXX XXXX opened on XX/XX/XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX Violated My rights as a consumer Equifax violated 15 U.S. Code 1681a - Congressional findings and statement of purpose and 15 U.S. Code 1681a ( 2 ) - Congressional findings and statement of purpose
Product: Mortgage

The AAG commercials air constantly and my elderly mother succumbed and agreed to take out a reverse mortgage. However, in the meantime, she made me promise that I would make certain, as the oldest daughter, that I would " save '' the family home for my youngest sister. I made the promise. I did not know how sick she was ; she hid a lot from her XXXX daughters. We found her passed on the sofa on XX/XX/XXXX after I got home from work. I looked at the cost sheet for this reverse mortgage and the charges are unconscionable. Further, the funds were received on XX/XX/XXXX and she passed on XX/XX/XXXX. I did not know that she took out the reverse mortgage ; I advised against it and I thought she had taken my advice. Our family house was built in XX/XX/XXXX when we returned from XXXX, XXXX with the XXXX XXXX. Our family are the only ones to ever reside in this house. My grandmother passed in this house, my brother ( XXXX veteran ) passed in this house, my father passed in this house ( XXXX XXXX veteran ), and my mother passed in this house. I am terrified that I am going to be unable to keep our family home because of this reverse mortgage. My mother only owed a small mortgage of {$4500.00}. I could have " saved '' our family home had it not been for this reverse mortgage. I just do not know what is going to happen in the future. If there is anything you can do, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this account, and I therefore request that it be delete This account immediately. I also request that Sync /XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. Account # XXXX