23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My original mortgage lender ( XXXX XXXX XXXX ) that I was using sold my mortgage to another institution who currently is Union Bank XXXX XXXX XXXX XXXX, WA XXXX. I was having both taxes and insurance being placed in escrow so the mortgage company can pay these on my behalf. I found out through my insurance agent at XXXX XXXX that my homeowners policy was lapsed and I did not have coverage from XX/XX/XXXX to XX/XX/XXXX due to non-payment. I then called the service center of Union Bank in XX/XX/XXXXto explain that this was to be paid by Union Bank and that they were the new service owner of my mortgage and had an obligation to make this payment. They told me that they were going to look into this issue and that they were to pay XXXX XXXX. I was later told by my XXXX agent that due to the length of time of the lapse that they had to write a new policy for my home. I explained to Union Bank after calling them a second time that it was their fault that my insurance lapse as they were trying to have me pay lender placed hazard insurance. I spoke to a supervisor named XXXX ( Direct phone number XXXX ) in XX/XX/XXXX and she stated that she would be sending this issue to support research and I would get a call from Union Bank in a week. This never happened and I received a bill in the mail from them dated XX/XX/XXXX. I have attached this recent Bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX Balance Owed : {$8400.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. In the case the original disputes did not have the correct evidence, we have attached copies from the providers documents that support the corrections. Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' XXXX, Please remove the {$1900.00} deferred payment from all recording. It was paid during the sale of the loan in XXXX of XXXX ( see attached XXXX ) and note sale and balance ( attached XXXX ). 
XXXX, Remove or provide signed document that has both my wife and my name that supports the XXXX  month term ( attached XXXX ). 
XXXX, Correct reported payment history that includes payments that were made to XXXX XXXX XXXX on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attached XXXX ). 
XXXX, Correct entire payment history reporting. Please report according to the consecutive payments that were made. Payment history reporting should follow as recored in thier provided " XXXX XXXX XXXX '' ( attached XXXX ). Please remove all doubled and XXXX entries from XX/XX/XXXX to XX/XX/XXXX and have the reporting showing our XXXX consecutive and on time payment history. 
XXXX, Correct the reported balance amount of the loan ( XXXX ) and have it showing the balance according to the XXXX Transaction History ( XXXX ) according to the XXXX Transaction History. There is an {$3700.00} difference according to the XXXX Transaction History. This {$3700.00} difference is why our credit scores are sub prime ( Around XXXX - XXXX ) ( attached XXXX ). 
We also ask to have the loan Serviced according to the Note or XXXX loan XXXX, which are the only Active Loan Documents for our loan. 
The requested changes are supported by actual loan documents and any reason to not make the corrections should be supported by actual loan documents or ammendments that has our signatures.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors.

or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
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 the 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 scam. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

This is a formal complaint on State Farm Bank Credit Card. I have been a customer of theirs for 10+ Years. I have trusted them at all times to resolve any issues and have always been great. I used my credit card to pay for a parking service in the XXXX ( XXXX ) Airport. While I parked there my car was broken into, items were stolen from my car. In person I tried to resolve the issue at the parking lot and they would not let me file a police report or a complaint. They would not let me out if I did not pay and my safety was at risk. My cost to replace my stolen spear tire and tools were {$480.00}. I felt I should not have to pay for parking in a lot where my security was compromised. State Farm has always been great and has promised to be good neighbor and protect its consumer. The representative stated rudely that it was not state farms problem. I was forced to use my credit card to get out of the lot. I used SF CC to pay since it was the only card I had with me and the only one I ever use due to the security it has always given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX  credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I need your assistance after several attempts to have XXXX Equifax, and XXXX to remove a derogatory account off my Credit Report. the account is with XXXX XXXX .The Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with XXXX, Equifaxand XXXX. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my Equifax stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the informationXX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. Hope you can be of assistance. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX  XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuse to delete a collection that clearly cant verify that its my account this account was deleted from the other two bureaus because they failed to verify that its my account. I have reached out to the company personally no information was provided and they hung up the phone on me. This collection is stopping my process of purchasing my home. I need this inaccurate account deleted immediately. I have send documents pictures of screenshots deleted from other bureaus Im confused on why EXPERIAN wont delete this bogus account. XXXX XXXX XXXXXXXX is the name of the furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing on my credit report that isn't mine. It's from XXXX XXXX and says it was originally from XX/XX/XXXX I never had any service from XXXX, so this must belong to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent both Transunion & XXXX  dispute challenge letters back in XX/XX/2020. Challenging the following account : XXXX  XXXX XXXX : This account still remains on my consumer credit report even though I have clearly identified multiple inaccuracies and violations to both Transunion and XXXX  of which is my right under the fair credit reporting act. 

As of today XX/XX/2020 XXXX  XXXX XXXX still remains on my credit report unchanged. 

: Still reporting inaccurate last date of activity a violation. 

: Reports account as update in XX/XX/2020 but still reports multiple inaccuracies a violation of FCRA rules. 

: Reports inaccurate balance or credit limit a violation. 

: Reporting continuous negative remarks after Account has been closed or charged-off. A violation.
Product: Student loan

I have tried several times to get in touch with Mohela. I have spoken to XXXX different representatives because I can not afford my monthly payments. So I extended the loan to the most years you can every time I call them they say my loan is still being processed. Ive been trying since XXXX to resolve this issue. I can not afford {$760.00} a month, XXXX person told me that my payment will go down to XXXX. The other one told me something else but nothing gets done. Ive been trying to call them now for the past month and I have not been able to get in touch with anyone because the whole times are over an hour or XXXX. Sometimes when you call the person picks up the phone and hangs up the phone.
Product: Credit card

to whom may this concern my name is XXXX XXXX XXXX, on XX/XX/XXXX, i lost the credit card and there are 2 fraud transaction on my account with the total amount of {$4400.00} i call the american express and report fraud but the american express back office denied my claim without any reason, i call several time and talk to XXXX  on XX/XX/XXXX but the case has not been resolve, the claim number is XXXX ; i also file a complain to the bussiness bureau but american express is not respond. Please resolve my complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical collections under {$500.00} are supposed to be deleted from reports. Experian did not delete the account which damages me as a consumer XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Alleged Balance : {$380.00}
Product: Debt collection

HELLO I WAS REVISING MY CREDIT REPORT AND I SAW A COLLECTION ON MY MEDICAL INTELLIRAD IMAGING CREDIT REPORT, A COLLECTION THAT I DO NOT ACKNOWLEDGE THIS ACCOUNT WAS FRAUDULENTLY PLEASED ... PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT THANK YOU.
Product: Checking or savings account

On XX/XX/2023 .I withdrew {$2000.00} from a Wells Fargo ATM on XXXX and XXXX in XXXX XXXX Nevada after trying to deposit the money back into the ATM. It had an error that it didnt take deposits, so I held onto the money till that afternoon when I went to the gym and tried to deposit it into a XXXX and XXXX XXXX XXXX XXXX , NV ATM , which only deposited XXXX before malfunctioning also.I tried calling multiple times with no resolution it was after hours, so thats all I could do. I had to go back to work the next day with a busy week when I finally got through the bank gave me a temporary credit of {$1300.00} pending investigation. Today is the day after XXXX XXXX XXXX XXXXXX/XX/XXXX three months later they being Wells Fargo revise the credit and withdrew {$1300.00} out of my account saying that there was no error made. This is a XXXX false the ATM stole my money and now Wellsfargo is trying to overdraft my account with multiple charges. What can I do to resolve this and get my money back?
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I sent dispute letters to Experian, Equifax & Transunion. The only response I received was a bogus stall letter saying that I did not send them the letters myself. I included my photo ID and my proof of address with these letters so how can they say they were not from me? They just do not want to do the investigation which is unacceptable. All of the letters that were sent to each bureau are attached. Due to the fact that my first letter was sent over 84 days ago and nothing has been corrected, I demand the following accounts be deleted : XXXX XXXX XXXX XXXX XXXXXXXX - The lates are not reflecting correctly across all three bureaus which proves this to be a billing error. 
XXXX XXXX XXXX XXXX XXXXXXXX - The lates are not reflecting correctly across all three bureaus which proves this to be a billing error. 
XXXX XXXX - XXXX - I never did business with this co. 
XXXX - XXXX - The late payment history for this account is inaccurate. 
XXXX XXXX - XXXX - I never did business with this co. 
XXXX - XXXX - XXXX late payment history for this account is inaccurate. 
XXXX - XXXX - I never did business with this XXXX XXXX  - Not my employer XXXX XXXX XXXX- Not my address XXXX XXXX XXXX XXXX XXXX - Not my address XXXXXXXX XXXX Not my name XXXX XXXX XXXX- Not my name
Product: Checking or savings account

Pnc bank wont allow me to connect my account to XXXX app even though they are listed as a bank that is compatible with the app
Product: Debt collection

I went to the doctors office monthly for XXXX medication and I didn't have a problem with the insurance, until they up charged me. Me, being the XXXX XXXX year old I was didn't notice and the front desk ladies at the doctor 's office said they would fix it. Well they didn't after I tried and tried several times. I trusted them and that was a mistake. They didn't communicate to me that I wasn't covered because I was scheduled for an hour long visit when all I needed was a med refill and I was never charged for an hour long visit before that. All of a sudden I received a collection in the mail. I had never gotten that before and I honestly thought it might be junk. But then I was getting bombarded with multiple phone calls a day. They called my work multiple times. I talked to the doctors office and again and I thought it was fixed because I never heard back from them. I had moved and was going to a different doctors office at that point. Things got serious a guy even came to my house and handed me Court papers. I argued and argued with the doctors office. Eventually we talked to the finance manager and he told us not to worry about it anymore so I didn't. That was 2 YEARS AGO! I didn't hear from the collection agency until a few months ago and they have been garnishing my wages. I have had the time to deal with them because I'm in school and working full time. I did not appreciate them taking my holiday pay. And now I'm struggling to find a car loan, they messed up my entire life and it's not helping during a pandemic when I don't know if I'll have a job or not. Please help get it off my credit score! I'm stressed. Also the garnishment papers, seem fake. The signature doesn't match the name. The court case number can't be looked up anywhere, especially the court that is listed. And they don't tell what I have left to pay. Nothing matches up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX hard inquiry XX/XX/year> needs to be removed from my credit report immediately because it's fraudulent and inaccurate information that's violating my consumer rights I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experien credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to XXXX XXXX
Product: Bank account or service

i made an atm deposit at chase in the amount of {$470.00} however there atm machine decide to change it to {$170.00}. transaction was made at XXXX on XX/XX/2016 AID # XXXX, XXXX fl atm XXXX. 

when i called them regarding this they routed my call to a foreign country who said they were going to assist me but instead they transferred me back to the customer service que and then to a XXXX survey without a live body coming back to the line. when i called right back from the same number they then pulled this we can not hear you XXXX.should it really take XXXX calls to get someone to help me? when i finally got a usa based supervisor on the phone they were unhelpful and refused to look up the transaction even though i gave him the number. what i do not understand is how i can clearly see the check for {$470.00} on my atm receipt and should also be able to see it online in my account yet they refuse too use there own technology. I want the missing {$300.00} credit today and a letter of apology for there offshore reps being so rude
Product: Credit card

In XXXX 2014 I was the victim of credit card fraud XXXX. XXXX my cards were impacted by this fraud, which was reported to the XXXX Police with the assistance XXXX. XXXX of my credit card companies accepted the fraud complaint ( XXXX XXXX ) and the other denied the fraud claim, and is now essentially engaged in loan-sharking, since it paid the merchant guilty of fraud, and is now coming after me for the fraudulent bill. This company is Barclays, which issues the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.