23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgarge was sold from XXXX XXXX XXXX XXXX XXXX immediately to Cornerstone Lending. My first issues began when I paid my shortage amount in XXXX 2015. I paid in plenty of time for it to be applied to my account. My bank statement showed Cornerstone cashed my check on XXXX XXXX. I called to make sure the payment had been applied, I was told it had not been as of XX/XX/XXXX. I had to call back in a few days to make sure, which I did. I was told a few days later that the amount was applied and my new payment would be XXXX. They did not credit my account which resulted in the wrong amount being withdrawn in XXXX. My bank statement showed XXXX being deducted. I called again and was told they would apply the extra amount, over XXXX to my principal per my request and that my XXXX payment would be XXXX. I then, XXXX., received a letter stating they had not received my payment of XXXX and my XX/XX/XXXX payment was late. I called and spoke to XXXX who said, no, that was incorrect, my payment had been received ; I have autodraft, and to disregard the notice. I got another letter dated XXXX or XXXX that said " thank you for your XXXX payment ''. Last week, XXXX XXXX about, I began getting phone calls with no one on the other end, from New Jersey. I ignored them. I got another one today, it connected, asking me to call Cornerstone. I called and was told my XXXX payment had not been recieved. I had to call my bank so they could send a letter verifying the payment had been made. Again, I have autodraft. I asked to talk to a supervisor. I spoke to XXXX who said my XXXX payment had been applied to my principal, so no payment was made in XXXX. 
I am losing my patience with this company! I got another letter today stating they had assessed a late fee and my payment for XXXX is {$1500.00}! I can not take this anymore. 
Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

SANTANDER CONSUMER USA Address XXXX XXXX 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 Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX CO Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit card or prepaid card

This office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing of complaint about Equifax Credit Bureaus failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Equifax has also failed to substantiate that the account is mine. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. I am requesting that Equifax delete this unverifiable account immediately from my credit report.
Product: Debt collection

I received a call from XXXX, a representative from Monterey Financial ( MF ), on XX/XX/23 who followed up on the email exchanges I had with the company. I told XXXX that I do not owe any debt to MF. He told me that MF is just a loan servicer, not a debt collector. Yet in the email exchanges, it clearly states that MF is a debt collector. Even on its website, it prominently states that it is a debt collector. XXXX threatened that if I do not pay, the company will report it to the credit reporting agencies which would damage my credit. I have never received a statement from MF or XXXX showing the amount owed, payment due date, and amount due.. NOTHING! 
I believe Monterey Financial is not just a debt collector in this transaction. It is an active participant in foisting a scam. If it is just a debt collector, why does it aggressively advocate XXXX 's interests? It encourages me to ask for its help in taking advantage of my XXXX membership. 
I have attached the email exchanges between MF and me, and the letter I sent to XXXX XXXX XXXX which triggered this email exchange.
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, my financial institution and Zelle failed to investigate my claims adequately. They have 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety overall.
Product: Credit reporting

1st they have an address as my previous address XXXX i never lived there 2nd they have a public record nj federal court account # XXXX thats not mine they refuse to investigate have them send you proof XXXX account XXXX account # XXXX this is being reported in correctly also XXXX account # XXXX this account as well is being reported incorrectly
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  balance {$26000.00}, XXXX balance {$27000.00}, XXXX balance {$1700.00}, XXXX  balance {$1600.00}, XXXX balance XXXX. Delete these unauthorized inquiries XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, CAPITAL XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Citibank sent me a letter stating that they needed additional information 'regarding my application ' on a card that I didn't apply for. 

When contacted them with the number provided, they just approved the card with no way for me to dispute it. 

I tried to contact their fraud department, but was caught in a Catch-22 because they want my card number, which I don't have -- because I didn't apply for the account.
Product: Debt collection

I am requesting validation of this debt. Including but not limited to the original agreement baring my signature, or any proof proving I owe this debt,
Product: Credit reporting or other personal consumer reports

My Experian account was hacked. I called multiple numbers and was unable to speak with a representative. I was offered only automated options and NONE addressed how to regain and protect a hacked account. In researching ways to solve this problem, I discovered that it is a common problem and Experian is aware of it and rather than fixing the issues, simply made it more difficult for people to report the problem.
Product: Debt collection

Hello, I would like to file a complaint against the Renton Collections Inc. XXXX XXXX XXXX XXXX XXXX WA. I have notified this agency multiple times both by phone and mail not to contact us regarding our debt with XXXX Hospital. Today they contacted my wife at her place of employment. When my wife spoke with them today they again refused he direction not to contact her at work. They refused provide any information regarding the debt. I called and spoke with XXXX XXXX who said she was a manager. I explained to her that I have notified them several times not to contact us as we are working with the medical group directly. She then became abusive and refused to provide me with her supervisors contact information. I indicated that they have again violated the FDCPA by contacting us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three 3 credit card accounts. Chase is reporting two old addresses to XXXX and XXXX on all three accounts. I am trying to have my old addresses removed from my credit report and only have my current address listed on my report. I have lived at my current address for nearly five years. When I contacted XXXX   and XXXX  and asked them to delete the old addresses, they said they could not because Chase is still reporting these addresses each month. Please stop reporting my old addresses and please remove them from my credit file. The only address I should have listed is my current address. See attachment for more information.
Product: Credit reporting

I have this XXXX XXXX which was closed over 7 years ago and it still shows up on my report. 
Please help me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Credit Score Request : On XX/XX/18 I was trying to get my credit score from Trans Union by logging into their website. They charged me {$19.00} for a membership that I didn't want. When I called to complain they said that at the side of the web page ( it is actually on the bottom ) was a small notice that I would be charged {$19.00}. I did not see this. There was a request for my credit card information which I believed was needed for either identification verification or to charge for the credit score but I assumed I would have to agree to any amount being charged for the service before proceeding further. 
While the website showed my credit score and a credit report, which seemed rather sparse on information, there was no way to print the report or my score other than doing a print screen making it less than convenient to document either of these. 

I received a charge on my credit card but no confirmation of the service from Trans Union. After my phone call ended I received an email " confirming '' my request to stop my subscription which is completely different language than what the agent told me on the phone which makes it all very confusing as to what service is being offered. 

I feel their website is deceptive and is trying to scam me out of my money. As it is, the whole credit rating and credit scoring industry doesn't serve consumers best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXXI sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 22 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not investigated my complaint and has refused to remove these inquiry 's from my report. They refuse to provide proof of investigation and the time limit has passed. 
To date you have not done your duty as mandated by law. You'r non-compliance with federal law is unacceptable, you'r disregard for it contemptible. Rest assured I shall hold you accountable. Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see15 USC 41, et seq. ). I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I am a victim of identity theft. 

XXXX XX/XX/XXXX BRCLYSBANKDE XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/ OAG CHILD SU - Account #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to obtain copies of the original loan documents from Santander Consumer with no success. Santander 's phone system will not allow me to speak with a representative. I have searchd their website to find a number for their Executive Services office unsuccessfully as well. Santander is reporting fraulent loan information to my credit file. I am requesting copies of the loan documents to view the signature on the loan that they are referencing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom reads, I have account with capital one, I have 2 of there credit cards one of  them for 3 years. Through the years of having that card I always every 6 months ask for credit increase and never receive I constantly get the run arounds and get told over the phone with the company, they say my account is great and pay Bill 's on time and I ask for increase they pass me to another operator ( robot ) answer questions and I'm being told few days later I've been denied but the ( real ) operators tell me I'm eligible to receive increase 3 years still no increase, been stuck at {$300.00} for 3 years! No loyalty at all! 

Also the biggest problem I have had recently ( with month of XX/XX/2018 ) after another day paying my bill off 2 days later I get a notice to check my credit score, Capital one completely screwed me over knocked me down 64 points when I worked so hard every month to earn my points, but they completely knocked me 64 points on my credit score. I worked very hard to earn and my score is very important for me, keeps roof over my head I do alot of investing and need my credit score to provide banks for loans to invest more for me to have a easy financial future. 

To whom reads please help me I've spoken to capital one about these issues and its same old story all the time they cant fix credit score and cant increase me credit. Please help! Thank you very much
Product: Credit card or prepaid card

This is the Second complaint on Elan Financial.This is a terrible company. 

ELAN Financial is engaged in " Reward Points '' fraud. Elan Financial did not allow me to use XXXX  " Reward Points '' for {$25.00} credit to balance today XX/XX/2020. One person says one thing and another person says another thing. Constant fraud to not give my rightful " Reward Points ''
Product: Mortgage

I renegotiated a mortgage wth M & T Bank during a bankruptcy proceeding.I have made prompt payments for over two and a half years on the new loan. The Bank refuses to send any information to the credit reporting bureaus depriving me of any credit rating. The bank during this time tried to collect illegal fees of over {$6000.00} that I had to hire an Attorney to get them to rescind. They now want a recommitment agreement which would put that fee back in play in order for them to report to the credit bureaus.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 

XXXX XXXX XXXX : Balance {$1400.00} Last Report date XX/XX/2023 XXXX XXXX XXXXXXXX XXXX : Balance {$410.00} Last Report date XX/XX/2023 Discover Personal Loan : Balance {$790.00} Last Report date XX/XX/2023
Product: Credit card or prepaid card

Capital One Credit Card closed my account without notice. They closed the account due to inactivity. They did not send any correspondence to notify me that they intended to close my account, to give me an opportunity to keep the account. They just closed the account, without letting me know until after the fact. This has adversely affected my consumer reporting score. I called the Capital One Credit Card customer service to reopen the card and they informed me that they were unable. I asked to talk to a supervisor and they told me that they were unable. I asked to lodge a complaint and they told me they were unable. Capital One Credit Card has adversely affected my credit score and it was not my fault.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Dear Experian, I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. I have no knowledge of these accounts they are fraudulent. I dont know what this collection is about I am not associated with the fraudulent accounts. Please remove these accounts as it is messing with my livelihood. 

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 XXXX XXXXXX/XX/XXXX REMOVE ALL FRAUDULENT ACCOUNTS SWIFTLY OR PROVIDE DESCRIPTION OF PROCEDURES AND STEPS TAKEN TO ACCURATELY VERIFY THE ACCOUNTS IF YOU CANT PROVIDE THIS REMOVE THEM. 

investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent.

These accounts are NOT showing maximum possible accuracy according to 15 USC 1681e ( b ) the open date, date last active is not accurate. Delete Accounts Immediately for violation of 15 USC 1681e ( b ) 15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. I got the investigation back but noticed some of the accounts were not modified or updated. According to 15 USC 1681 ( 5 ). Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. These accounts have violated my federally protected consumer rights. 

XXXX XXXX XXXX : XXXX Yes it is me disputing no one is representing me at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested Equifax remove these inquiries. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized these inquiries, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.