23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

About 13 months ago I filed a complaint with your organization related to Ditech Mortgage ( XXXX ). They promised to pay the homeowner association dues, it is on recorded messages, and they refused to turn over the takes. I was surprised that CFPD did not force them to turn over the takes because they lied. Because they did not pay the association dues I received a noticed from the sheriff office to leave the property ... forced to leave the property. I have repeatedly requested the recording to show that I was promised on several occasions by Ditech associate not to worry and they would take care of it. Today I am receiving letters from Ditech stating that the mortgage has not been paid in 18 months. I communicated to Ditech that the owner association has leased out the property, and they are not paying the mortgage. At this time Ditech has not resolved this issue, and the homeowner association is collecting money and not paying the mortgage. At this time I can not purchase a home because Ditech refuses to foreclose on the property and force the homeowner association to pay the back payments totaling approximately {$34000.00}. I believed that your organization was here to protect people like myself who does not have the resources to fight a big company like Ditech. Please help us now with this issue. Otherwise, Ditech will continue with this practice thus allowing the homeowner association to collect rent and not paying the mortgage. Please HELP! 
Regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services have failed to investigate matter accurately. These items where disputed last year and early warning failed to provide accurate proof of items upon request. Instead of providing items that pertain to the XXXX XXXX XXXX & XXXX XXXX gave a blanket reason for a matter pertaining to a business account under a tax id and not a personal account. The also deflect the matter to non working XXXX  number where no one responds to call or voicemails.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed that my XXXX XXXX XXXX account was reported as a collection/chargeoff, despite the balance being paid through my tax refund and additional payments from my XXXX. The account has been listed as overdue for several months without my knowledge, and I was never notified of the late status. IRS documentation verifies that the owed balance was cleared with my tax refund. However, the account continues to be listed as a collection with a status of 'late 120 days ' despite the payment being made.
Product: Student loan

My social security number has been compromised my financial information is being used the my permission I'm able to file police reports I hired a lawyer to contact any entity concerning Financial student aid social security banks debit cards or credit cards anything concerning my personal information and it's illegal usage it needs to be stopped now on my name is XXXX XXXX my phone number is XXXX and we will win ... 
My attorney 's phone number XXXX XXXX XXXX getting more questions
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ), an energy/electric account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a fraudulent XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) that is attached to a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$990.00} that appears related to the aforementioned XXXX XXXX rented at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax AN XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous Automotive XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A Section 2 it also states a consumer reporting agency cannon furnish an account without my written instructions. 

Also, my full name is XXXX XXXX XXXX XXXX often times they mistake my father for me. I have even seen on my credit report a " XXXX XXXX '' and i have no idea who that is. Please resolve this issue in a timely manner.
Product: Credit reporting or other personal consumer reports

Delete these fraudulent accounts consist of student loans opened at DEPT OF ED on the following dates under the corresponding account numbers : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), and XX/XX/XXXX ( XXXX and XXXX ) or I demand proof Equifax contacted the FTC to verify this affidavit and the name and address of the persons contacted to validate the reinstated account. The method of investigation used, as required under FCRA 611 15 U.S.C 16811, or delete the account.
Product: Debt collection

I was a XXXX time patient at the XXXX XXXX XXXX. When speaking to XXXX, he advised me to come in and for a free XXXX and would bill my insurance and wave the copay. I now have a mark on my credit report showing I have a debt in the amount of {$130.00}. I would like for this to be removed immediately whereas I never authorized this charge and never signed an agreement nor medical release form for billing or services.
Product: Bank account or service

DEAR FDIC & CFPB, I DO NOT ALLOW CALLING TO CFPB THROUGH VIDEOPHONE SO I PREFER MEETING IN PERSON THAN VIDEOPHONE, UNDERSTAND CLEARLY! I AM NOT SATISFY WITH XXXX XXXX XXXX XXXX THEN XXXX XXXX XXXX REQUIRES PAID ME THEN CLOSED ACCOUNT BECAUSE OF DISCRIMINATED AGAINST MY APPEARANCE NOTIFICATION TO CHASE BANK OFFICIAL IN HIGHEST POSITION AS REQUIREMENT CHASE BANK OR OTHER BANK WHO WILLING MEETING ME IN PERSON CLEARLY UNDERSTAND! THANK YOU MUCH!
Product: Credit reporting, credit repair services, or other personal consumer reports

I WILL BE SEEKING LITIGATION AND MONETARY COMPENSATION FOR VIOLATION OF RIGHTS IF THIS IS NOT CORRECTED IMMEDIATELY : See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : The consumer reporting agency says the third party company " verifed '' the false information unlawfully as I have not given any 3rd party creditor, collector or business the authority to submit any non public information about me to the consumer reporting agency. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have not given the consumer reporting agency my permission, nor the furnisher of the information below to report this information in any way, shape or form. 



See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Furthermore, This letter serves a written notice : I formally revoke, renounce, opt out, quitclaim, and waive ANY and ALL insinuated and or direct permission to XXXX and the following companies that are listed below, to report these following items on my report. XXXX is now aware of these revoked permissions and will now be held liable. I am requesting that the following items be deleted permanently and immediately, as via my right to exercise that nondisclosure option, as expressed in the FCRA 15 U.S. Code 6802 :
Product: Credit card

XX/XX/XXXX - 3 separate charges for a cash advance fee that was not authorized. 

Charge 1 - {$200.00} Charge 2 - {$200.00} Charge 3 - {$100.00} {$45.00} fees assessed for each charge as well. 

Totaling to over {$600.00} in charges that were not authorized. I contacted the fraud department the following morning ( XX/XX/XXXX ). The claim was denied within the same week.
Product: Debt collection

CRA not mine / No knowledge of the account / too many inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting an account on my tradelines by XXXX XXXX XXXX/XXXX  XXXX. I contacted the number listed and spoke with a representative named XXXX on XX/XX/2019 at XXXX. XXXX told me that they don't have the account and she don't know why it's being reported. There is no reason why this account is being listed on the credit report and there is no file there according to their representatives. I disputed this account with TransUnion who stated they verified the account is accurate. There is no way they could have verified the account when in fact the company told me there is no account there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to XXXX XXXX, XXXX, XXXX and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! This was my fourth complaint to follow up the items for removal that I previously submitted in the date XX/XX/XXXX. May I repeat that under section 605b of the FCRA the XXXX, XXXX and TransUnion Bureaus are required by law to remove any accounts or information which were found to be opened due to identity theft. Again, the disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each of these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have using XXXX XXXX to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to 640 's. Lenders are not interested in helping me get pre-qualified now.

An Equifax representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report.

XXXX cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

XXXX shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.
Product: Debt collection

Costal Professinal INC sent a letter to collect a debt, this was a XXXX XXXX.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I deposited {$100.00} XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX And it didnt go through and I received no receipt and then I called the bank as instructed and they said I must wait ten business days. 
I am not happy with this because I needed my money then and there.
Product: Credit reporting

I have an Initial fraud alert on my Consumer credit report. I have reports from XXXX XXXX and XXXX XXXX XXXX department saying they are removing Hard Inquires from my report. I have other hard inquires on my report I believe to be in error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charge off Date opened XX/XX/XXXX Date closed XX/XX/XXXX XXXX  date opened XX/XX/XXXX 15 USC 1662 ( b ) is a law that regulates how down payments and installments are advertised for consumer credit. It's part of the Truth in Lending Act ( TILA ), a federal law that requires lenders to disclose the terms and costs of consumer credit.

A creditor can't consider a payment late if they were delayed in mailing the statement due to an excusable cause, like a natural disaster, war, or strike
Product: Money transfer, virtual currency, or money service

1.I was scammed from XX/XX/XXXX ( XXXX ) to XX/XX/XXXX ( XXXX ). 
On XX/XX/XXXX, at XXXX, I wanted to sell my washer and dryer, so i posted a list on XXXX XXXX to sell them for {$500.00} ( Both ). And then, around XXXX, a women contact me on XXXX XXXXXXXX, and said that she wants them and her stepson would pick it up tomorrow, so she want pay me before he comes and she don't have cash. so, i agree to use zell. After that, scam began. Firstly, she said she needs my email address to verify my account. so i tell her. Then, she said she has sent XXXX to my zelle account and showed screenshot to me. and then, i got a email from " zell support ( fake ) '' says " {$500.00} is above my limit '', so she and i need transfer another {$200.00} at the same time to release the funds. in this period, she pretended she has got a same email and tricked me to send {$200.00}. after I sent it to the account that email provide, another email sent to me and she said she got the same email, which said due to technical issue she and i have to send another {$200.00} to get whole refund ( XXXX XXXX XXXX XXXXXXXX ). and then same trick happened again. 
At last, i was induced to transfer {$1700.00} ( XXXX ) to 4 different account ( fake agent account ) until i recognize this scam. 
2.after that, around XXXX on XX/XX/XXXX, i connected customer service of my bank-Wellsfargo because i use zell function inside wellsfargo App. And then, one agnet heard what happened to me and submit my claim to bank 's system. 
3.after that, they began investigation, they didn't ask me any files or record during their investigation in the following 10 days. 
4.XXXX  XXXX, i got mail from wellsfargo, it says my investigation has been completed and closed. My money can only be return if other bank ( scammer 's account bank ) return the money to wellsfargo, otherwise my money gone and no way to got it back because it's authorized by me means it's on me. But, i think i was tricked or induced. 
5.then, i found a video on XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, it says there is law called " regulation E '' - if someone induced me to transfer the money even if i agreed to it, my bank should reimburse me. so, i contact to bank 's customer service, and they said regulation E only valid when bank didn't finish investigation. but for my case, it has been completed. 
So, i am confused about if Regulation E can be used in my case. i need a clearly explaination why Regulation E can be used in cases in video but not in my case.
Product: Debt collection

Hi, I would like to complain and dispute about Debt Collection which is not belong to me. 
In my credit report, I have a collection from OXYGEN XL. Original creditor is XXXX XXXX XXXX. 
This collection account is not belong to me. I called both company and asked them where this collection is coming from. They told me that there was a merchant credit account opened under company named called XXXX XXXX XXXX. I told them that this can not be, because I was an employer, an officer for that company. This company is one of XXXX account for XXXX XXXXXXXX XXXX XXXX XXXX which I worked for a period of time. This company owned by XXXX XXXX. I said, I worked for him between XXXX to XXXX. 
I left the company and I moved to Connecticut XXXX XXXX  If you look to the date the account open was XX/XX/XXXX - I was not even living in XXXX that time. 
NO matter how much I try to explain collection agency, they keep telling me we have your information, your name is in it. I said, can you provide me the contract for the merchant account. They are not giving me the the contract or any other information that shows I did open the account, they keep dodging my giving me the contract. 
I disputed with XXXX, however, they denied my dispute. I do not believe that XXXX did any due diligence. There is no way, this account opened by me. My previous employer stole my info and opened the account. I am a victim of identity theft. 
I hope you can help me about this collection which is not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Some inquiries on my credit report that are fraudulent
Product: Credit reporting or other personal consumer reports

I made my monthly payment on the XXXX of XXXX which I always pay on the XXXX or XXXX. I had just spoken to someone at the company to say my payment is made and now I get a XXXX point decrease in my credit because they are claiming XXXX XXXX delinquent. I havent been delinquent on my car since XXXX or 2023. They done offer deferments or payment assistance. When I was delinquent they always harassed me but never helped me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back to XX/XX/2019, I have requested from Experian, under the FCRA to verify inaccurate items on my credit report. I also requested that if such information can not be verified, to please delete the inaccurate items and to also send proof. Through various attempts, they have failed to delete the items from my report, which has in return made it extremely difficult to obtain new credit. This is very frustrating for me and request assistance in handling the issue.