23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my two homes with Loan Depot in XX/XX/2020. Both loans were to have first payment due dates of XX/XX/2020. Two weeks ago I received billing statements with a first payment due date of XX/XX/2020, as expected, and a second statement with a due date of XX/XX/2020, which I didn't expect. I called and emailed my Lending Officer,  XXXX XXXX, and informed him and his boss XXXX XXXX of the statements I received. They responded that they were sorry, there had been a mistake as both first payment dates were supposed to be XX/XX/XXXX. They also said there was nothing they could do to correct the problem, I would either need to pay {$2200.00} now or {$1100.00} to delay the payment until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX about the investigation of the following accounts : Collection, XXXX XXXX XXXX, XX/XX/XXXX, {$5400.00} Collection, XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00} Collection, XXXX XXXX, XX/XX/XXXX, {$320.00} Collection, XXXX, XX/XX/XXXX, {$630.00} Charge-Off, Credit Card XXXX XXXX XXXX XXXX {$5300.00} Charge-Off, Loan, XXXX XXXX XXXX, {$640.00} XXXX XX/XX/XXXX, opened XX/XX/XXXX Charge-Off, Credit Card, XXXX XXXX {$430.00}, XX/XX/XXXX Late Payments, Unsecured Loan XXXX XXXX, {$9000.00} XXXX XX/XX/XXXX XXXX Payments, Auto Loan XXXX XXXX, {$19000.00} , XX/XX/XXXX XXXX still have not received any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  2. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

3. XXXX  Account Number : XXXX  Please remove it from my credit report.

4. XXXX  Account Number : XXXX  Please remove it from my credit report.

5. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

6. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

7. XXXX  XXXX Account Number : XXXX  Please remove it from my credit report.

8. XXXX  RC Account Number : XXXX Please remove it from my credit report.

9. CARTER-YOUNG INC Account Number : XXXX  Please remove it from my credit report.

10. CARTER-YOUNG INC Account Number : XXXX Please remove it from my credit report.

11. CARTER-YOUNG INC Account Number : XXXX  Please remove this inaccurate information from my credit report.

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX XXXX, GA XXXX-XXXX  13. The following personal information is incorrect Account Number : CURRENT ADDRESS :XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  18. XXXX/XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. These accounts on my consumer report is effecting my life in devastating ways.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint for the following date XX/XX/2023. XXXX now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Based on a review of my credit report, under the FCRA ( Fair Credit Reporting Act ) 15 USC 1681 and the Privacy Act of 1974, for the purpose of maintaining the consumer report in premium standard, the following partial account # s should be removed Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are considered charged off and closed accounts with a security interest certificates of indebtedness, which are taxable income for sold debt for which I have a security interest in, as per 26 CFR 1.61-12 of the Internal Revenue Code, Subchapter A, and 26 CFR 1.108-2. The treatment of value for market value of indebtedness by the creditor/debtor partnership, as equal to the liquidation value of the debt for equity interest, is for the purpose of determining the tax consequences of the debt for equal exchange. Any and all power of attorney duties and responsibilities have been removed from all original creditors and third-party debt collectors regarding any certificates of indebtedness owed to my estate. Thus they have no permission to report any private income to my public accounts on my behalf. 

Third-party collectors with account numbers and transaction history are to be removed as they are charge-offs from the original creditor and are considered zero certificates of debt, which is income per 26 USC 61 where gross income is defined. This income can not be reported as it is a violation of financial transactions and is considered non-public personal information, and should be removed immediately.

12 CFR 332.10 limits on the disclosure of non-public personal information to non-affiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any non-public personal information about a consumer to a non-affiliated third party unless : ( i ) You have provided the consumer with an initial notice as required under 332.4. As I was not notified prior to the recording of any accounts or transactional history, prior to the violation, it is to be removed.
Product: Debt collection

I called XXXX XXXX to pay half if the bill of XXXX which is XXXX, I was told they they could not accept it.this was on XX/XX/XXXX 4th
Product: Credit reporting, credit repair services, or other personal consumer reports

These unknow inquires listed below are fraud and should be removed within 24-48 hours due to violation of code laws and rights. 

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

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal. 
Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but they have failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX balance is showing as {$450.00}, dates open in XXXX closed XX/XX/XXXX.
Product: Money transfers

I recently opened an account with PayPal. I purchased XXXX PayPal " MyCash '' cards ( PPMC ) for {$500.00} each and loaded them to my account in anticipation of making a few purchases on Ebay, the parent company PayPal. PPMCs are sold at various retail establishments, and in my case, I not only was required to show identification when I purchased them, but I also kept all receipts related to such purchase. Via a website that is, upon belief, authorized and/or maintained by PayPal, I loaded the PPMCs to my PayPal account. Because of limitations imposed by PayPal of {$500.00} of loads per day XXXX and {$4000.00} per month ), the XXXX PPMCs I purchases were loaded to my PayPal account over two consecutive days. 
Approximately one day after the second PPMC load ( which was within the guidelines and rules established by PayPal ), I received an email from PayPal that my account was limited due to what was described as " high risk '' activity and that PayPal would be freezing my $ 1K in deposited funds for 180 days in order to make sure there were sufficient funds to cover any payment reversals. 
I telephoned PayPal and spoke to a representative in its " Account Limitations Department, '' and was told essentially the same thing that was related in the email. Although I explained, and the representative conceded, that there were no payments made ( and thus there could not be a basis for any payment reversal ), I was told PayPal would not change its position. I also offered to provide copies of my PPMC receipts and other supporting documentation to establish that my purchase of the XXXX subject PPMCs was bona fide, but this offer was rejected. 
PayPal 's actions are unjust, unfair and punitive in nature. While I recognize the need to have certain loss prevention policies in place, I believe there is something fundamentally wrong with a system that cites this as a justification for detaining a customer 's money but does not provide a route for appeal or other process that would enable a customer such as myself to refute the implication raised through clear and convincing documentation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my records, I believe [ Capital one ] has misreported my payment history in violation of the Fair Credit Reporting Act ( FCRA ). I request immediate correction and removal of any inaccurate data
Product: Debt collection

I tried many, MANY times to contact XXXX in regards to my late father 's phone bill. While I was in the middle of burying my father, working full time, homeschooling my child, and trying to navigate that state of the nation amidst COVID, XXXX wanted me to go to one of their stores, not just a retail outlet, a corporate store, and provide the death certificate to terminate the service. I offered multiple times to provide it online via fax, scan, email, as i did with every other single creditor my father had accounts with. XXXX refused to work with me and instead kept billing my dead father. My father passed on XX/XX/2020. I will not pay for charges i attempted to settle considering i made MULTIPLE EFFORTS to close the account due to the death.
Product: Debt collection

XXXX XXXX, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX XXXX ACCT : XXXX
Product: Credit card

My husband and I had a very strange experience when applying for a Walmart card through Synchrony Bank. We both applied for an account on the same date. On my account, they completely misspelled my first name. On my husband 's account, they used his SSN, birthdate and credit information, but they put the account in my name in error. I emailed customer service three times on XXXX/XXXX/16. They instructed me to have my husband call in to their help desk, so he did that on XXXX/XXXX/16. The customer service rep, XXXX, spoke to both of us. She can see that the account is incorrectly entered under my name, even though it is most definitely my husband 's account, but she refused to correct it. Despite the fact that they have his credit report and the application he submitted on file to prove the owner of the account, they are refusing to remove my name from it. I feel that this constitutes fraud, because they know it is under the wrong person 's name, but they will not remove my name from the account. I am at a loss as to how they could have a glitch so big that they would mess up both accounts opened for my household.
Product: Credit reporting or other personal consumer reports

My Discover Credit card account was Closed & Charged off on XX/XX/2021 and I have settled the account for less than the owed balance and they have update the balance to XXXX $ in XXXX and XXXX but they have reverted it back to $ XXXX in XXXX report. 
I have disputed it multiple times and i havent had a proper resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX a certified letter disputing an account on my credit report X/XX/17 which they signed for X/XX/17 at XXXX XXXX. They responded with an itemized bill dated X/X/17 but no evidence bearing my signature. Therefore I sent them a second letter X/XX/17 which they signed for X/X/17 at XXXX XXXX. requesting they provide me a description of the procedure used to determine the accuracy and completeness of the information. They have not responded as of X/XX/17 making it 22 days after receiving my second letter. I have made two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by XXXX XXXX. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$930.00} per the bill sent to me. My credit reports from all three credit bureaus show an amount of {$930.00} on a closed account listed under XXXX XXXX. I emailed the XXXX CEO XXXX XXXX his companies failure to provide me information and failure to mark disputed on my credit report. He agreed to look into the matter only to send me another bill of items listed. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the credit bureaus with the required disclosure, within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. It has been over 60 days and still not dispute. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). Responsibilities of furnishers of information to consumer reporting agency. ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval. 
I read that any inquiries from purchasing an auto loan would be counted as one, instead, my reports are now showing 11 inquiries, one from each bank, if they were pulled within 14 days. 
This is the second time a dealership has shopped for approvals and rates for me that this has happened. 
There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX I am writing to bring to your attention a grave matter concerning the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention to address this violation and ensure the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not associated with me in any way. Despite my diligent efforts to dispute this inaccurate information directly with the company, they have disregarded my concerns and failed to take any action to rectify the situation. 

It is evident that XXXX XXXX XXXX XXXX actions represent a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including correspondence with XXXX XXXX XXXX, as well as any supporting evidence that clearly demonstrates their violation of FACTA and the inaccurate reporting of the negative account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to rectify this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Product: Money transfer, virtual currency, or money service

Im writing regarding the recent lawsuits highlighting significant issues. The findings indicate that Zelle neglected to protect consumers, and allowed repeated offenders to exploit the system. Leaving users vulnerable to scam.
Product: Debt collection

Reported : XX/XX/XXXX Collection Agency SUNRISE CREDIT SERVICES , INC XXXX 
Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXXE Account XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Account Number XXXX XXXX Original Amount Owed {$420.00} XXXX XXXX XXXX XXXX XXXX  Amount {$420.00} XXXX  Payment Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status UNPAID Comments Contact SUNRISE CREDIT SERVICES , INC . 
XXXX XXXX XXXX XXXX, NY XXXX