23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is no Lease for this unit. This property was involved in an property fire. 
This was unfortunetly a illegal situation This unit was the only unit i lived in and this was before XXXX XXXX XXXX soldit sproperty
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A WEEK. I NEVER USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. I'M WILLING TO PRESS CHARGES ON XXXX XXXX IF HE IS CAUGHT! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX XXXX XXXX Inquiry : XX/XX/2020 As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was placed on the account XXXX XXXX XXXX account number XXXX. This account is reporting inaccurate information. This company failed to properly investigate the account. They broke consumer laws by failing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this newsletter to stop emailing me many times, and they refused. They basically dared me to stop them. XXXX XXXX  Act issue.
Product: Money transfer, virtual currency, or money service

My complain is so simple, I am a modest employee of XXXX and every month I transfer my salary to my checking account of Chase Bank And I settled the automately payment for my monthly rental on XXXX every month the bank take the money to transfer to the account of my landlord in that way she should received on date XXXX every month Well on XXXX XXXX Chase took it XXXX $ from my account and on XXXX or XXXX XXXX the landlord called sayind the money is not in her account I've called to Chase costumer service and they said they had a electronic system problem blah blah blah and they sent the check to the bank of the landlord and should be ojn XXXX XXXX there in her bank/ I believe it them and on XXXX the landlord called me again to say the money is not there I've made other claim by phone where the costumer service didn't answer about my question where is my money? simple question .... all time the lady aanswered as a robot saying do you want to cancel de order?? and saying you can receive your money back in 3 or 5 working day -- - which doesnt works to me because I should pay my rental- they gave me a number of claim - On XXXX XXXX my Landlord ask me to pay the renatal again the money is not in my account and I came to the Bank talk to the manager of the office and she told me she cant do anything to me only cancel the payment order and wait other 5 days when I asked her where is the money she says she doesnt know and I should ask to Chase - insuting really insulting Ive asked her as the bank have my money why she can give me XXXX $ to pay the rental Ive already had XXXX $ in my account I explain her the landlord make me pay XXXX $ per delay day means I have to pay XXXX $ more she said she cant help and I have to cancel the payment ... .... I did And After that Ive received today XXXX XXXX an email saying my cancelation is in process in 5 working days I will get my money back - Today is my XXXX day without my money Chase kidnapped my money my rental and brought me to my life a tons of stress and uncertain information I had to ask a loan to my friends to pay my rental, Why?? If I didnt do nothing wrong and I always pay my bills I want my money back with interests and damage compensation a formal apology from the Bank and I think your department should make an investigation of this dark and fraud practice they can play with life of the XXXX people, I cancelled other order made by XXXX to a wrong number in this case last week by XXXX $ and even said nothing abut it not in my money yet I hope you could help me please to get my money back with interest and damage compensation!!!! or whatever is the law about it Thank you for your attention XXXX was a big surprise when in the bank office they cheked the number of the phone clain and they taold me doesnt exist means on phone they gave me a false numbr of claim, this is s serious acting
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} U.S. Bankruptcy Court Reference : # XXXX
Product: Credit card

I noticed someone applied for something in my name that I did not authorize. I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.
Product: Debt collection

ive ask them to produce documents to where i have signed and agreed to pay the alleged debt / legal documents between me and the company. they have have failed to produce and are continually placing inaccurate information on my credit reports
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Owed : {$4300.00}.
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 repeatedly reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovery of lost funds were impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only been negligent in protecting consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting 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 XXXX XXXX XXXX. 
Account name : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX 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: Prepaid card

On XX/XX/year> I ended up coming across a fake website which is called XXXX and ended up putting in an order but soon after I realized it was a fake account and it actually was pretending to be a well known website called shop.luvmehair.com, I immediately tried to cancel. I messaged Cash app because that's my card I used & & I also messaged that fake website and told them I wanted it cancelled because I know it wasn't a real website. But they didn't cancel, instead they sent a fake tracking number that isn't coming to me XXXX so I let cash app know but they still aren't doing a thing about it or looking into any of the claims I sent.
Product: Mortgage

hii i worked with XXXX XXXX, XXXX # XXXX of XXXX. i was asked to produce all documents prior to pre-approval. after two weeks, my contract was accept. i paid for XXXX $ inspection & send XXXX $ for XXXX XXXX XXXX to Title company ( XX/XX/XXXX ). the very next day ( XX/XX/XXXX ) i was told everything was fabricated & i dont actually qualify for the mortgage. there is nothing i can do & i feel beyond betrayed my a company that is supposed to advocate for me. now i will have to cancel the contract & lose my hard earned money.
Product: Credit card or prepaid card

I called to report non-consented activity on my credit card. Company stated that it would issue me a new credit card number and card. Credit card never came. I never received a new credit card and then noticed a late payment fee on my account which makes no sense since I have autopay set up. I called PNC, they stated they closed my account at my request. I never requested the account closed. I have called PNC multiple times to try and get the situation sorted out. Every time they promise to escalate it, and no one calls me back. 

This has been going on for weeks.
Product: Credit card

LVNV funding LLC. This company wants me to pay for a credit card I paid on but refuse to work with me. Have now sent my information to a lawyer and they are coming after me. They wouldnt work with me I paid as agreed.
Product: Debt collection

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised.

I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has violated my consumer rights to privacy. LexisNexis has also violated codes XXXX USC 1861b Permissible Purpose.

In a response letter to a previous complaint, LexisNexis admitted to gathering information from another data furnisher named PACER ( Public Access to Court Electronic Records ) system. LexisNexis, in-turn use this information on my consumer report and provided this information to other consumer reporting agencies without my permission. 

This has resulted in multiple failed attempts for me to financially advance and continues to cause damage to me as a consumer. 

I demand that LexisNexis, provide proof of Permissible Purpose. 
I demand that LexisNexis, provide proof of my consumer rights to privacy was not violated.
Product: Debt collection

I am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX consumer reports : By the Fair Credit Reporting. Everything has to be 100 % accurate on my report. 

The Credit bureaus stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for removal and my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I have attached my credit report and marked the items. 

Items : XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX
Product: Student loan

I have an account with a service provider called Nelnet. My loan # is XXXX. 

I had applied for, but apparently was not granted a deferral for my student loan. I had been continually paying for years on this loan. Being a XXXX, and believing that negative interest accrual was not allowed, essentially applying 100 % of payments to interest only, I contacted Nelnet because when I was told that my loan was past due, i immediately paid the entire payment. I was shocked to see that my entire payment of {$800.00} was applied not anything to principal, but 100 % to allegedly accrued interest. 

I contacted the company, saying I am looking at my payment history, and my interest monthly was {$36.00}, how are you applying nothing to the principal. They told me this is correct, that all your payments go to interest before we ever apply a payment to principal. i said that's not what your web site shows. I don't believe that was the terms of the loan, and i believe you're applying the payment incorrectly. i was told, No, it's right. 

I don't believe this is correct, and I'd like my entire loan that i've been paying for close to 20 years is incorrect.. 



Payment Date Payment Amount Applied to Principal Applied to Interest Applied to Fees* Payment Type arrow right XX/XX/XXXX {$800.00} {$0.00} {$800.00} {$0.00} Electronic arrow right XX/XX/XXXX {$300.00} {$260.00} {$36.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$39.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$39.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$38.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$40.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$40.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$41.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$42.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$41.00} {$0.00} Auto Debit
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One Credit Card accounts are paid off but there still being reported as derogatory with all the credit bureaus. I have called them on several occasions and nothing has been done..
Product: Mortgage

My new mortgage obtained by XXXX Mortgage in XXXX AZ was sold to XXXX Mortgage in XXXX. I received a notice from XXXX Mortgage about the transaction on XXXX/XXXX/17. I made my first payment in XXXX as instructed by the XXXX Mortgage letter. It 's been almost three months and I have not received anything from Dovenmehle ( no statement of account, no information about the mortgage, nothing! ). I tried to set up an account on their website, but got an email notice that they would need some time to establish the account and would notify me when it was live. Nothing happened for two weeks. I called them repeated, only to be cut-off after hearing an automated message. Today, I finally reached a live person after two attempts and 34 minutes of wait time. The agent told me they had the wrong mailing address ( certainly they had the property address! ). Then I wanted to make payment on the account, but had to be transferred to another dept. ( scary because of how difficult it is to get someone live ). I did get a collections agent, I was late in paying because I did n't know if this was a scam company because of their lack of communications and the extraordinary difficulties I had in reaching them ). She took my payment and before I could ask questions about setting up automatic payment arrangements, she actually hung up on me. She was very rude. This company is operating in a very untrustworthy way : they 've established so many barriers for their customers, it 's next to impossible to conduct business with them.
Product: Bank account or service

I opened my account with Regions bank back in XXXX 2015. This is n't my only bank account I currently have XXXX XXXX XXXX and XXXX XXXX. Regions seems to the be the only headache and this why since I opened my account more than 6 months ago I have encountered over XXXX $ in overdraft fees. Till today I have had ENOUGH of it. On XXXX/XXXX/2015 around XXXX my account had a balance of negative XXXX XXXX dollars and change. So I went to the bank and deposited {$40.00} my balance was {$3.00} today in the morning I made a payment to XXXX XXXX XXXX of {$200.00} when I go to the bank to deposit the money I see that I have {$210.00} in NSF. From transactions that happened back on FRIDAY it 's TUESDAY. And okay I understand merchants take blah blah blah days to withdraw money from your account. But in my account it shows that these transactions ( 6 of them places like XXXX, etc. ) where posted XXXX/XXXX/2015 and that NSF was charged XXXX/XXXX/2015. REALLY? REALLY? REALLY? when I went to the bank at XXXX on XXXX XXXX, 2015 and your supposedly cut off hours are XXXX? 

My receipt printed with a {$3.00} POSITIVE BALANCE! 

These NSF are completely unfair, your online application completely and utterly sucks. 

So basically what I am trying to say is how if I went to the bank on Monday at XXXX and have a balance of {$3.00} I wake up with a NSF of XXXX in less than XXXX hours with out any warning that my account may be come over drafted, or ONE at least WARN ONCE before charging 6 over drafted fees. Regions shows you that you XXXX dollars left but not the pending transactions, like in this case I went to XXXX Friday @ XXXX and this showed up sometime Tuesday XXXX XXXX, 2015. 

I have called regions multiple of times, I have gone to the branch and until today that I got really mad no one was giving me answers like the famous " Opt-In over draft protection '' or explaining to me that the balance that I see on my phone is n't the correct balance that their might be missing transactions. And your own employee said that they only had regions for payroll, because quote on quote " You people are a mess '' The way I see it is regions does n't try to protect their customers from overdraft they do n't fully discloses ways to help you or add an over draft protection.
Product: Credit card

I purchased a year subscription for software, I located a better software and so I contacted XXXX XXXX XXXX and canceled my subscription. I was told that they only provide refunds within 30 days of purchase, for example, had I been paying monthly and I canceled, I wouldn't be paid for the following month, but since I purchased a yearly subscription and 30 days have passed, I am not entitled to a refund. I was told I have {$970.00} in credit with the company if I should decide to ever come back. 

I decided to dispute the charge with Navy Federal Credit Union, when I put in the dispute by phone on XX/XX/XXXX, I was told by the gentlemen who recorded my dispute, that I would receive a provisional credit within 10 days. I called back on the 9th day to confirm the provisional credit, and the young lady I spoke to put me on hold came back to the phone and assured me that my provisional credit would be on my account by XX/XX/XXXX. I checked my account on XX/XX/XXXX, and the credit was not on my account. I called Navy Federal and was told this transaction did not fall under regulation e, that I would not be getting credit, and that this dispute would take 120 days. I am not sure if the transaction falls under regulation e or not, but from what I read it appears it do, can you please assist me with this matter?
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 XXXX  XXXX XXXX XXXX  : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$83.00} Be notified that this complaint is my follow-up complaint to ensure that the listed accounts are repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in XXXX XXXX XXXX I had repeatedly contacted XXXX about canceling my account. Each time I was instructed to research my code work by emailing them, which I did. I changed the code word and was still unable to cancel my account. I then sent an email to them stating that I had already attempted to change the code word and cancel my service but their system would not allow me and they would not allow me to do so over the phone. So now 3 years later they send a bill for {$500.00} for a system/account that was never even used and was canceled. I did exactly as they instructed and could not cancel my account this is a very illegal business practice.