23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, XXXX XXXX XXXX, supposedly acting on behalf of HSBC Bank, Nevada, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you. 

Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there. 

I have copies of the correspondence sent to both XXXX and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.
Product: Mortgage

On XX/XX/2023 I started a mortgage application with Rocket Mortgage LLC. A representative named XXXX XXXX from their company contacted me and asked me some questions. The representative asked to do a hard inquiry on my credit and I responded by explicitly telling her that I did not consent to that action. Shortly after our interaction I recieved a notification from a credit monitoring app that my credit score had decreased because of an unauthorized hard inquiring made by Rocket Mortgage LLC. I would like to file a complaint against this company regarding the illegal action taken, which has adversely effected my financial health.
Product: Credit card or prepaid card

Home Depot credit card account. 
11 purchases not made by me. All at the XXXX, XXXX Home Depot store where I have never been. 
All fraud. 

XXXX {$970.00} XXXX {$1100.00} XXXX {$990.00} XXXX {$890.00} XXXX {$990.00} XXXX {$980.00} XXXX {$990.00} XXXX {$1900.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1100.00} Again these are all fraudulent charges. I have disputed this with Home Depot to no avail. I filed a police report with the XXXX Illinois Police department. They are investigating. I don't know what else I can do but I am not paying for things I did not buy. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX : {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$34000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$75.00}.
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 significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed ftc report because I found fraudulant accounts on my report and nobody will help me
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention two unauthorized inquiries that appeared on my credit report. The details of the inquiries are as follows : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX  Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX  Reason : I don't recognize this inquiry I request that you investigate these inquiries and provide me with information regarding the nature and purpose of these credit inquiries. Please take the necessary steps to rectify any errors or unauthorized activities associated with my account. 

Thank you for your prompt attention to this matter.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your  failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral  duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I transferred {$100.00} from my bank account to someone using CashApp ( a service of Square, Inc. ) The person was unable to receive the money because they had misplaced their debit card and was unable to satisfactorily establish their identity to CashApp representatives. Given the fact that the person would be unable to access the money, I made an attempt to have the money returned to my bank account. On XX/XX/2021 I spoke with CashApp call agent XXXX. He told me if the money was not accessed within 14 days, it would be automatically returned to me. When this failed to occur, I next spoke with CashApp call agent XXXX on XX/XX/2021. He told me if I enhanced the security features on my account by obtaining a CashApp Visa card, I would be able to arrange for a return of my money. On XX/XX/2021, I spoke with CashApp agent XXXX. I told her that I had applied for and received a CashApp Visa card, and was calling to arrange for the return of the money I had transferred that couldn't be accessed by the recipient. She told me that such transfers were impossible to reverse in any and all cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, Per 15 U.S. Code 1679c states You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.. By law you are required to dispute and investigate anything that I deem inaccurate on my credit file.

This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine {XXXX} for mail fraud pursuant to 18 U.S. Code 1342.

Continuing your non compliance will result in litigation and a {XXXX} fine per violation. 

Items to be deleted immediately : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automobile DealersXXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit card

Had been receiving odd emails I thought were scam about a week prior. Went to open my mail on XX/XX/26 and received a credit card with a rather large limit on it that I did not apply for. Called the card company to which I was bounced around from number to number until I finally reached the fraud department. Only to be told they could not help unless I provided my full social over the phone and I dint feel comfortable doing so. Had to ask for a supervisor before they could close the account for me. They told me the would call me if they needed more information and would send me a letter stating they had closed the account.
Product: Mortgage

Multiple Complaints:1 ) payment information is misleading to the consumer - Loan is paid in full and automated phone system and online system still shows a payment due on XX/XX/XXXX. 2 ) The fees charged for payoff letters are excessive. {$30.00} is ridiculous and was charged for them multiple times in a 30 day period. 3 ) Escrow and details of loan and payments need to be easy to see online, NOT JUST WITH PAPER STATEMENTS. 4 ) last but to me the most important is an issue with them reporting a 30 day late when I did make a payment online before the 30 days - there was a technical problem with it going through and I wasn't notified in time to fix it before the 30 day mark and they won't fix it on the credit reports. I have NEVER had a 30 day late on my mortgage since inception and they can see that. The property was under contract waiting for closing so I was making payments after the due date but paying the late fees accordingly. I also paid AS SOON AS I KNEW about the problem - I called and submitted written requests for them to correct but was denied multiple times. I think this is wrong. This error dropped my credit score over 250 points overnight. This loan was with XXXX and I never had an issue until it was sold to Freedom Mortgage in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i am not reliable for these accounts i don't sign a written contract with XXXX XXXX XXXX, or XXXX XXXX XXXX and they dint provide me with the contract please stop them from report this to my report
Product: Money transfer, virtual currency, or money service

A wire transfer was sent on XX/XX/XXXX for {$190000.00} for a real estate closing. Due to the incorrect routing number it went to the wrong bank. Unknown to me, the sender, it was automatically applied to a member 's bank account that happened to match the account number on the transfer form. However, if Chase bank would have reviewed the information when the wire came through, Thay would have seen the name of the recipient & the Bank did not match the account was credited the wire transfer. My credit union, XXXX XXXX, sent a recall to Chase Bank on Monday XX/XX/XXXX that the {$190000.00} was sent in error and to please return the wire to the sender. Chase Bank replied that due to the routing number and the account number matched their member they would have to contact that member first before returning the money. I have no idea who the member is, plus my form that was sent with the wire had the receiver to be XXXXXXXX XXXX  in XXXX, CT XXXX. Chase Bank stated wire transfers are automatically deposited and not reviewed by anyone after it arrives therefore if it matches a member 's account the wire is automatically deposited. On XX/XX/XXXX at my closing, we recognized our error we contacted Chase Bank immediately to recall this money. They recognized the error, saw it was not intended for their member but refused to return the money before checking with their member. I have not been given that member 's name, so there is a possibility when he sees this large amount of money deposited into his account ( he could say he knows me and was expecting a deposit, and I would lose my money. By pure coincident my wire matched a member of Chase Bank, the routing number and account number. ) It was said it would take 3-5 days to correct the recall it was done on Monday XXXX  while I was sitting with our real estate lawyer, see attached This was my closing the happiest day of my life I get to live near my son, it's been over XXXX yrs. since we've been close to each other, Now I'm worried sick, I'm so upset and can't sleep to think I could be taken advantage of! I reached out on Fri XXXX for a reply on day XXXX, I learned they changed the filing date to XX/XX/XXXX. This is not right, I have waited all week for my refund, now because they changed the filing date, I have to wait another week! The real estate attorney is pressing me for their money. I could l lose my new home because they refuse to expedite this. I have contacted my credit union every day ( all week ) asking if Chase bank returned my money, and they haven't. My credit union has tried to talk to a human, they don't answer the phone you leave a message, and someone will call back but they haven't. Chase Bank knows this is a real estate transaction and time is a big factor, Why Chase is keeping my money is really poor business decision and they have not been helpful nor tried to resolve in the transaction. I'm hoping you can help mel, thank you XXXX
Product: Money transfer, virtual currency, or money service

In late XXXX I used Coinbase to purchase XXXX, the first transaction was on XX/XX/XXXX and this was a total of XXXX ( not including fees ), and then another transaction on the XXXX XXXX and this was for XXXX ( not including fees ). For around a month now, I have been in a constant battle to get my account 'verified ', every time I email them I get the same response of them having a high quantity of emails. This of course is causing me some distress as during this time I have absolutely no control over my own money that is in my account. I have been trying to sell my XXXX and withdraw for 4 weeks now, and there doesn't seem to be any progress, despite multiple requests to the company. 
It seems crazy to me that they were able to take my money absolutely fine, but when it comes to taking it back, they don't seem to want to know. 
My biggest worry is that crypto may crash and I will have absolutely no control and I will loose all my money. I am very worried. 

Any help is super appreciated! 

Many Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring thru XXXX  due to the XXXX breach. Someone has been applying for credit recently in my name. One of the creditors applying for my credit report ( XXXX ) has verified that they had an inquiry done in my name and has had me fill out paperwork to have the inquiry removed from my report. CapitalOne Bank, however, has had two hard inquires into my credit reports, but maintains no records of the inquiry, so they tell me, and therefore I can not process the removal of the fraudulent inquiry from my report. The fact that the data submitted to the credit agencies seems to be fraudulent, but I can not verify that because CapitalOne does not maintain records of failed credit attempts.
Product: Student loan

I have been paying off my loan early, which was supposed to be applied to the principal balance. Instead, Nelnet is applying only a small portion of my payment to the principal, while applying most of the payment to interest. This was never explained to me in any of my loan documents and Nelnet refuses to work with me. 

I spoke with someone named XXXX, who said that it does n't matter if I request that my payments go to principle balance. So, although my next loan payment is n't due until XXXX XXXX 2018, Nelnet applied {$140.00} of the {$170.00} payment to interest. They refuse to apply the over payment to principal as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$530.00}