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

There is a new incorrect information in the credit report!!!!! and the remaining XXXX account is still not me!!!!! and there is 8+ hard inquiries doesn't belong to me. See previous dispute confirmation number : XXXX, XXXX for credit dispute. I tried disputing and submitted information online. They removed some incorrect records but there are still other 's account in my records. A couple days ago they still add another one 's hard inquiry to my account.
Product: Debt collection

again i reach out to the phone number on credit report but no answer, disconnect or agent cant share detail information with me about debt - request itemized statement was told but i owe {$1900.00} for something from XXXX nc back in XXXX - no way to send bill to me I have been living here for 12 years.
Product: Credit card or prepaid card

On XX/XX/2022 my account was closed and that is unlawful Pursuant to 12 CFR 1002.7.

12 CFR 1002.7 - Rules concerning extensions of credit.

CFR 1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis.

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname.

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA XXXX Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have tried on several times to get my Experian Credit Report unlocked so that I am able to see my credit score and obtain loans for my businesses. I want this fraud alert removed from my Experian Credit Bureau permanently. I sent two letters to Experian requesting to remove the alert from my credit profile one on XX/XX/2022. And one time on XX/XX/2022. I have called on 3 occasions. Once on XX/XX/2022, XX/XX/2022 and XX/XX/2022.
Product: Vehicle loan or lease

They brought me court I had 4 months left on leases to buy after the lease was up I was late in payment and want to pay XXXX to catch my lease up we went court and judge order me to give them they car I pay all that money on that car and I was fighting to keep it they would stop me from trading it at dealership because of they words. I did want to take my XXXX towards bring payment up to date .I FELL THEY CHEAT ME OUT THAT CAR. NOW THEY WANT ME PAY FOR CAR I HAVE IT WAS LEASE. They went on my credit report and put I work for XXXX XXXX XX/XX/2014 and I open my account onXX/XX/2014. I did know till i put my credit report they use my son information but i the one who buy the car they did because they had sold me lemon car. I was going suit them so they put in new car to XXXX me up. now i was at end of my lease did want take my XXXX to be caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each of the credit bureaus to investigate the following items that negatively affect me. Not only have each of the accounts violated my right to privacy promised under 15 USC 1681 Section 602 A but they have also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. 
The accounts are : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''
Product: Mortgage

I had problems with the loan officer I was assigned at Guaranteed Rate from the beginning. I requested multiple times to have a different loan officer because I had to hound him for information and even my pre-approval letter but Guaranteed Rate would not assign me a new loan officer. Fast-forward through a very frustrating loan process which included my information not being sent to settlement soon enough and having to move my closing date which I had drive hours to pay and for a hotel to make.

I have been informed that Guaranteed Rate put the wrong insurance company down for me and so at closing, they had an insurance policy factored in to my escrow that was about {$600.00} short of what it should be ( my correct policy was about {$600.00} higher than the policy Guaranteed Rate put down for me ). What makes this even more frustrating and unfathomable is that I was closing on two properties with this company and closing on them on the same day. Both properties were to have the same insurance company. One property had the correct insurance information listed and the other property did not. I don't understand how this could happen but now my escrow is woefully short and will not cover my taxes. Furthermore, when my escrow is re-assesed, my mortgage payment will jump significantly. I've spoken to numerous people at the company who's responses range from, " They did mess up but unfortunately you kind of have to make up that difference. There's nothing that can be done. '' to a total denial that the escrow will not be able to cover the taxes. And now after being told I had to retrieve the money from the wrongly paid company because " Guaranteed Rate can't contact the company '', I got the money back and put the money into escrow so the CORRECT company can be paid. The amount of the policy was confirmed as well as the company. I was told the payment request was going to be made immediately and I'd be contacted with a update which never happened. The following week, I got an email stating a payment was made and it was for the WRONG amount. There has been no accountability on the company 's side and even when I reached out to a loan officer who worked on the mortgage, I was brushed off and told to contact the servicing department. I have spent numerous hours trying to get help and get things worked out and there's just one egregious error made after another. I trusted this mortgage company to know what they were doing and handle my information properly and they have violated that trust. Getting a mortgage is stressful enough and this process has been exponentially worse than my first mortgage experience. It is stunning how bad this experience has been.
Product: Credit card or prepaid card

American Express contacted me numerous times at multiple addresses, against various state and federal laws. American Express contacted me in XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and XXXX. These contacts were made despite multiple requests with the XXXX Opt-out, the Federal Trade Commission , the XXXX XXXX Opt out , the XXXX XXXX  Opt-Out and direct requests made with the CFPB. I am so offended that American Express continued to reach out after multiple attempts. There company has failed to rectify the situation. If I was to make repeated contacts to an individual or to another business after repeated requests i would be jailed and probably charged with criminal charges. Yet, American Express has ignored all of the rules and contacted me throughout the past two years. Now they have stopped contacting me, yet i am still terrified of being contacted by others and am emotionally traumatized by the lack of remorse and empathy shown by AMEX. I have done nothing to AMEX and i repeated contacted after numerous requests not to be contacted. AMEX claims that they have fixed the issue, yet the past still remains with me and i am tortured by the thought that my formal and unaggressive requests to not be contacted were repeatedly ignored.
Product: Credit card or prepaid card

Recently I contacted Capital One ( CO ) for a retailers, XXXX ( XXXX ) failure to credit my account XXXX after months of promising to do so. ( I had returned items within 7 days, following XXXX instructions to the letter. ) CO did remove the charges only to replace charges back on within a couple of weeks. When I called to inquire, CO, informed me, XXXX stated that had not recieved items ( which were 5 sanitizers ) and I would need to show proof that I had returned. I let them know, this was the 1st I had heard of this, since XXXX had not answered any of my emails. However, I did send a copy of the XXXX label showing date, address, time & DELIVERED seal to both CO & to XXXX. 

As weeks went by and nothing happened, I called CO and was now being told the proof they requested was not sufficient and they now needed to speak with someone at XXXX ( even though they took no initiative to contact anyone at XXXX ). I t found this to be absurd and requested a supervisior. I spoke with 2, and was told the same ridiculous thing. 

I sent an email to the CEO office making him aware of situation and how disappointed I was to know that someone could be out of hundreds or even thousands of dollars based on an employees incompetency and offering PROOF is not sufficent for CO. 

In the mean time I did recieve an email from XXXX letting me know they did have their merchandise and I would be recieving my refund. 

The same day I got the email, a person, from the ceo 's office called and basically said too bad for me, I wouldn't be getting my money back. That is not verbatim, nonetheless, she could not have been having a very good day as she wasn't good at faking being very nice, I didn't let her bother too bad because I had an email stating otherwise. 

I sent in additional information and uploaded more documents a few weeks ago and no one at CO has had the courtesy or decency to even respond I have recieved several email from XXXX and I have gotten quite ugly with them. Now I find out it is CO blocking them! 

I Pay CO. I Pay ontime. I Pay above and beyond. 

This is DISTURBING! The treatment I'm recieving is unacceptable. 

XXXX has their merchandise back! CO has MY MONEY!! I have Nothing but stress compliments of CAPITAL ONE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Don't recognize the inquiries bellow they are fraud and they did not have my permission or approval. I contacted each individual company they have no record or a file from me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed late payments on my account with XXXX XXXX XXXX addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the FCRA, as outlined in 15 USC 1681 e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have below. In addition to that late payments are considered transaction due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681 a 2 ( A ) ( I ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX on the dates below be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safe guard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I do not have an account number as this account was opened without my permission and I have not received anything ( statements, card, etc ) I had massive fraud on my synchrony/Lowes credit card in the summer of 2022. After a very long time of getting it resolved I was told my account was permanently closed. I went to check my credit report on XX/XX/2022, and there was a late payment for another charge on the synchrony/Lowes credit card for {$530.00}. When I called synchrony/Lowes, they said my account was never closed down Although it shouldve been and they will have to do a fraud investigation. In the meantime, it has knocked my credit score down, XXXX points and I am trying to apply for a loan, so this is having a deleterious effect on my ability to do that. 

I told XXXX that they should not be happening every few months with fraud. I dont know what to do at this point as they are saying it could take up to 60 days which is outrageous. This account shouldve been permanently closed as they told me it would. Please help.
Product: Mortgage

I have been purchasing this home and property for 17+ years, first under owner financing, then as a cash payout, then my ex-husband for a home equity loan against the property, then we got divorced and I was left with the loan in his name but I didn't have the credit to get it in my name until XXXX which is where this current loan comes in. I have made all my payments, except two of the payments were late. I had to leave work in XX/XX/XXXX and file for SSDI and then in XX/XX/XXXX my fiance unexpectedly died of XXXX XXXX from XXXX and left me with no income. I was paid up on my mortgage payments but rec 'd a letter from Huntington Bank trying to press foreclosure. I tried to get a report from them to confirm they had the same payments as I did, but I only got it after I filed a complaint against them with the WV State Attorney General 's office. Their records show the same payments but there are some discrepancies somewhere. Since all this debacle I am now missing payments but they have put me through unnecessary grief up to now. I filed for HomeSavers and they closed it unnecessarily without even telling me. They refused to give me a forbearance option. They have discriminated against me and have been very rude and obnoxious to me during the times I have sought assistance with them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, myXX/XX/XXXX 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 CFPB 's 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.
Product: Credit reporting or other personal consumer reports

My personal & financial information was compromised without my authorization. The Family Educational Rights & Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA & your responsibility to safeguard my information. 

Given the severity of this breach & the resulting compromise of my personal & financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Mortgage

I obtained an equity line of credit through Wachovia in XX/XX/XXXX. Wells Fargo Bank ( WFB ) bought Wachovia soon after and I received an transfer of the deed. I paid the loan off in XX/XX/XXXX the payoff went to WFB. There is a charge-off showing from Wells Fargo Equity for the exact same line I paid off. I can only assume all equity lines that were assumed through the buyout went to the Equity Dept of Wells Fargo whether the paid status was noted or not.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly 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. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
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, WI XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 XX/XX/XXXX
Product: Credit card

closed my account even though i was still making payments sometimes i was late but was still making payments and they closed my account
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

They have a judgement from the small claims court, but I am unemployed still. They mailed me a application form called permanent hardship, and they're supposed to not contact and report me for 90 days. Yet they mail me and keeps calling me about my debt, even after i told them that i submitted an application, they always say that they will add a note but it seems like they didnt. As of this week, I already received XXXX applications in the mail since last month, i filled out and mailed twice now. I just lost my house, I am homeless, I have no job, my husband and mom in law consecutively died and I am XXXX XXXX XXXXXXXX XXXX. I believe that I should qualify to this program theyre offering and that this debt should be removed and hopefully them to stop calling me.
Product: Credit reporting or other personal consumer reports

Hi I did not authorize XXXX XXXX XXXX date XX/XX/XXXX states opened balance {$220.00} and reporting my account XX/XX/XXXX, XXXX XXXX XXXX XXXX account open XX/XX/XXXX for {$61.00} as balance I did not authorize to charge or to run my credit and report to my credit or open an account I authorized nothing to them they keep trying to charge me for something I do not recognize I need this removed from my account this is fraudulent please help me resolve this issue. I did not authorize XXXX XXXX XXXX to charge or report or run my credit to my account they are saying I owe them a balance of {$640.00} they reported to my account XX/XX/XXXX of XXXX I did not authorize XXXX XXXX to run my credit XX/XX/XXXX I did not authorize XXXX XXXXXXXX XXXX XX/XX/XXXX. Please remove these from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had started finding out from XX/XX/2021 that someone opened credit card accounts using my name and SSN. He opened a credit card account at CUSTOMERS BANK last XXXX, another one from XXXX last XXXX, and another from XXXX XXXX XXXX  last XXXX. 

So, I kept disputing these fraud accounts against 3 credit bureau companies but they keep saying these are accurate information. So, I started sending my own proof documents to them this year and waiting for the results. 

I took actions like credit freeze and alerts to all of 3 credit bureau companies last week and started calling the banks with the fraud account. 

I think someone same person have tried to open many other credit card related accounts, so anyway I need to stop this guy immediately. 

For more proof information, please let me know.
Product: Credit card

I am contacting you to dispute the appearance of this bankruptcy on my credit report. It's concerning because I have a letter from the court explicitly stating it should not be reported to you. Furthermore, the involvement of an unauthorized third party only heightens the absurdity of this situation.