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

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, Equifax XXXX XXXX concerning XXXX XXXX XXXX Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Around end of XXXX early XXXX I was interested in buying a home. I found a home I liked and it was determined that I needed a letter of approval to make an offer on the house. The lender I was currently using would not be able to supply that within the day, but my realtor recommended me to XXXX XXXX at Vellum Mortgage. She got me the letter, but then the next day called and stated that with my debt to income ratio I would not qualify for a mortgage on that home ( $ XXXX ). In that same phone call she advised that if I could get rid of my car loan I would be able to qualify and that once I closed I would be able to get my car back. I was able to have my mother take out an auto loan her loan paid off my car. At that moment I was able to qualify. 
Fast-forward to XX/XX/XXXX she advised to have my brother give me money and to have my mother take out another loan in the amount of XXXX to assist with the down payment, she says that she will write this as a gift. She also had me make up a story to tell underwriting that I will be using an XXXX to get back and forth to work to support the reasoning off " getting rid '' of my car. Even though the understanding between me and XXXX is that I would continue to pay my mother and then get the car refinanced back in my name. 
I have closed on the house ( $ XXXX ) and have moved into the home and has since needed to begin to make payments on my car and pay my brother back for the amount. Now I am unable to make my mortgage and am facing foreclosure or trying to sell the home. I have recently learned that the things I were advised of were malpractice and were examples of predatory loaning.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

In XXXX a coworker listed me as a reference for her car. I worked with her for maybe two-four months. I have told them since XXXX I dont not have any contract with her and remove me as a reference. They have continued to call. I have received four calls this year and I keep telling them to stop calling me. I have blocked every number they call from. They will not stop calling me, I do not know the lady to give them more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXTo whom it may concern, XXXX XXXX ( with her long title that she gave me and clearly not the one in this email ) was of no help, smug and very condescending. She only reiterated that it was all my fault. I was the one who was required to give information. It was NOT Rocket Mortgage job to make sure they pulled the proper name. She also reiterated that no matter how low my credit score dropped it did not matter what the Rocket Mortgage employee told me. They were NOT required to verify any information. They had the right to put my signature on all their documents and was not required to go over them ( Pulled my credit with XXXX XXXX XXXX and then again on XX/XX/22 in the proper name, dropping my credit 10 points. Also, I made a big deal because my credit came back at XXXX. I let them know on several occasions that it was to close to going under 740. They stated it wouldnt be a problem and MAYBE AT THE MOST 1 point, needless to say the next day I got notification it went down 10. Also it show to pull on my report. GIVEN WRONG INFORMATION AGAIN. They failed to tell me about a portal, where all my documents would be, and nor were they required to go over them with me. 

As long as I gave my OK to pull my credit, they were NOT responsible for ANY documentation in their possession. 

Just horrific service and I am sure there are regulations that say differently.

Also I was not made aware of a portal until the 8th day of my loan ( unprofessional ) thats when I found out that my name was spelled wrong ( XXXX XXXX ) ( thus the second pull ) XXXX XXXX. I was told my credit would not dropit dropped 10 points. This is going to be on my credit report for 2 years. I was give wrong information BUT since I authorized the pull, I am at fault!!!! 

I want the extra pull from my credit report removed!!!! 

XXXX XXXX
Product: Credit card

When I was late with payment to Discover, a representative called and got me to schedule a payment on my next regular payment date. Still underemployed, I ca n't afford to make the payment this month. The Discover web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. ". Since I arranged this payment by phone, I assumed I would be able to cancel the scheduled payment on the payment posting date, but the representative claimed she could not cancel it. Now I 'll have to pay my bank {$35.00} to stop payment. The information from my bank details this payment as " Phone Pay '' The following is transcript of chat with representative : XXXX : at XXXXXXXXWe submit the payments electronically to your bank on the date the payment is scheduled for. Once submitted, your bank takes over the payment and depending on how they process the payment will determine when the payment will hit the account. We do not have control over this. 
you : at XXXXXXXXThe web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. '' I find it hard to believe this payment ca n't be edited or cancelled also, since today is the payment posting date. 
XXXX : at XXXXXXXXYour payment was scheduled by a representative, not through the website. 
you : at XXXXXXXXThat does n't explain why you, a repersentative, ca n't cancel it. 
XXXX : at XXXXXXXXThe payment has already been processed. Once processed, they can not be canceled.
Product: Student loan

In XX/XX/XXXX I received phone call from debit collectors saying that Nelnet had sold my student loans to them to collect.. I explained I dont have any they said ya u do in default.. how could that be I asked because u didnt pay them we been trying for three years how u want to pay debt credit.. I thought it was a scam.. I thought they had been forgiven by XXXX and dept of Ed in XX/XX/XXXX I said I got letter from dept of ed saying it was taken care of they Nelnet said dont work that way we decide what happens to u loans same things nervent said how can they send things that say XXXX balance and than demand it back Im so confused Nelnet says send a note to our email saying u have no taxable income I did hope they dont start taking money from my XXXX  like XXXX did without even notifying me.. as they say they can do anything they want.. seems pretty unlawful and unethical .. nervent keep having me put it in forbearance.. I dont have over the XXXX thats considered low income .. I feel they do this because Im a widow, poor and a XXXX female.. and XXXX years old .. and they only look to line there pockets.. they give no chance and offer any of options to work to have it paid.. they just hurt people..
Product: Credit reporting or other personal consumer reports

Ive noticed an unfamiliar account on my credit report that I believe was added without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted on XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter is for : XXXX XXXX Balance {$18000.00} Open Date XX/XX/XXXX I kindly request that this matter will be promptly solve by XXXX XXXX XXXX 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXXXXXX Account XXXX Account name : XXXXXXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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: Debt collection

On XX/XX/year> I received a notification from a XXXX stating that my credit score decreased by XXXX points because a company called PORTFOLIO RECOVERY ASSOC reported that I owe {$500.00}. I was not notified about the debt owed nor do I have any knowledge about owing this debt. I worked hard to my credit for a year however, there has been a major decrease in my credit score due to this debt which has damaged me mentally because I have no idea where this debt is coming from.
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. 

Acct : XXXX XXXX XXXX  XXXX Acceptance now- XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Dept of Ed - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  - XXXX Us dept of ED / XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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: Credit reporting or other personal consumer reports

VALIDATION, NOT Verification RE : CREDITORS BUREAU ASSOCIA To Whom It May Concern : This letter is being sent to you in response to the above mentioned charge-off account and more importantly, due to your erroneous reporting of this account, the highly negative impact on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal attachment to this account.

Please provide me with the following : Provide copies of any papers that show I agreed to be responsible for this account Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account At this time, I will also inform you that if you have reported invalidated information to my credit profile this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit report that is inaccurate, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If you can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all reporting activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to my credit report, I will consult with my legal counsel for suit. This includes listing any information that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

his validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion shall be sent to me immediately.

Best Regards,
Product: Checking or savings account

Yesterday in the middle of holiday expenses, Bank of America decided that my account needed investigation and took almost 3 months ' worth of salary from my account. Im now in deep overdraft. I have a normal nonprofit salary, always consistent amounts and deposite days.

Yet, right in the middle of spending on gifts, activities, vacations, and winter utilities, @ BankofAmerica made this decision to take funds and investigate as if they were the IRS. We are talking about almost 3mo of salary! I offered any documents needed to solve and they said no, it will take what it will take. Why would they not let me assist with documentation if their goal is to solve it? Why not send me a formal written response explaining why they withdrew money from my account without consent? 

What if I am marooned in another city and cant pay for my hotel or food or way back home? What of I cant pay rent or heating?

It's been almost 48hrs with no response. Already my autopay for car insurance and dental have been rejected. It's impacting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT LOAN 1. US DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Product: Student loan

I initially took out two loans from a XXXX XXXX through the website " XXXX '' in XXXX. During the recession, the bank closed down and I was unable to find the servicer to pay the debt. Then, 3-4 years ago I received letters out of the blue from a company called " XXXX '' indicating that my debt had ballooned over 200 %, and charging frankly usurious rates ( 11 % +, variable ). While I began paying knowing that I did indeed take out loans, I recently read about companies ( including specifically XXXX ) requesting payments for debts that they do not actually own. I have since requested actual documentation on the loan ( including the original Master Promissory Notes and records of debt transfer ) in order to refinance. They have repeatedly ignored my requests, and at this stage are no longer responding to my requests. I would like this documentation to prove that the debt is indeed mine, and that I am not paying some random company for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Report : ( XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX )
Product: Mortgage

scammers trying to XXXX people and purchasing flood insurance on their behalf. Even after providing proof of maximum flood insurance through FEMA required by law. It's harassment, emotionally mentally stressful. XXXX vet with XXXX XXXX XXXX XXXX XXXX XXXXssues.Worst mortgage company I have ever dealt with.18 yrs of payments on time every month. Harassment every yr over flood insurance since fema took over flood insurance. This company is awful and needs to be know as a poorly managed and run business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, SUNRISE CREDIT SERVICE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SUNRISE CREDIT SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Prepaid card

Over XXXX dollars was taking from me from my XXXX  which lead to me being locked out of my account endless security things its a hassle I just want is rightfully earned to me I was XXXX even when funds was being stolen I showed proof I showed proof that my information was compromised
Product: Credit reporting or other personal consumer reports

You'll notice that recently a lot of these accounts are closed. That's because they were open fraudulently. I've asked you to remove these inquiries. For some reason, you never do. I've already spoken to the banks. They say it's up to you to remove them. Only the credit bureau can remove the inquiries they say. Feel free to call the banks yourself. If you can't remove them, then I wan na know exactly how to remove them in detail. There must be a way a process paperwork something That will allow me to remove these fraudulent inquiries from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I went to XXXX dealership to get a car. I was told there would be only one bank and there is multiple inquiries. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXN XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX turning XXXX at the time this account was opened by my mother without my consent. Verbally or written. I had no knowledge of this account being open. As i was a minor just turning XXXX