23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX/XXXX  as well as XXXX XXXX, and Select Portfolio Servicing, have not been forth coming with THEIR SIDE of the financials. Meaning for over 12 years my money was DISAPPEARING from my account. I made a complaint 10 years ago requesting this information through H.O.M.E, with no documents. I was advised to do a Chapter XXXX, I did and 2.5 years into the  Banckruptcy the lender LIED to my lawyer and my lawyer let them process a " stay '' not sure of the legal term, but it removed them from the bankruptcy. I have ALL DOCUMENTS and CAN PROVE, LENDER FRAUD, WIRE FRAUD, BANKRUPTCY FRAUD, and ESCROW FRAUD.I was not able to get the Lenders financials until I wrote up to the White House last XX/XX/2018. All of my money is gone. These financials ARE Correct as they show every month the banking charges but not my payments and I have every one THE ORIGINALS. I was told by S.P.S. that they were not able to get the financials as when XXXX. sold the note that only like years were sent. I find that very interesting because that is around the time I had stopped paying XXXX. When I could not qualify for the H.A.M.P. program I was told by the Lender that the Note Holder did not pertisapate. At, this point XXXX  gave me an in-house modification called CHAMP. This is another rip-off as they added XXXX changing my Original Note from XXXX to XXXX. They closed their account on the Credit reporting agency XXXX  as CLOSED-DEED IN LIEU OF ... I NEVER SIGNED ANYTHING!!! I took photos of the Notification I got from XXXX because of course they have lied on their last response back to you. Everything that they are saying are lies and I can PROVE EVERYTHING. Please Please help me, I am XXXX XXXX and I do not want to go through another year of this horrible treatment. Thank you, lets go get these guys once and for all.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX repeatedly to request removal of this account. However, each time I reach out, they provide inconsistent information, altering the dates of the alleged delinquency. It appears they lack accurate records and are fabricating dates arbitrarily This account was on schedule to be removed this year in XXXX. You all pushed back the date every year
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 - ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

PLEASE BE ADVISED THAT DESPITE THE NUMEROUS TIMES THIS OFFICE ( XXXX. ) HAS FAXED THE ATTACHED RELEVANT AUTHORIZATIONS FROM THE BORROWER TO THE LENDER AND/OR LOAN SERVICER HEREIN ( I.E. OCWEN LOAN SERVICES ), THEY 'VE NEVER SEEM TO BE ABLE TO FIND OUR ENTITY AS BEING AUTHORIZED TO SPEAK TO THEM ON BEHALF OF THE BORROWER NOR WILL THEY PROVIDE US WITH THE CONTACT INFORMATION CONCERNING THE UNDERLYING LENDER AND/OR INVESTOR SO AS TO CIRCUMVENT THEM ALTOGETHER DUE TO THEIR UNCOOPERATIVE NATURE.
Product: Mortgage

our home loan was sold from other finance company in Florida to Caliber Home Loans. Attempted to contact on Website, phone, email and through our online account unable to obtain or speak to anyone. No loan activity nor payment for our mortgage has been taken out for XX/XX/2016. Upon checking reviews this company has a history of not returning calls, not receiving payments and filing foreclosures on the proprieties, we are in fear that this is going to occur with our property. Complaints have recently been flied on this company for the same reasons as related above
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I mark as inaccurate XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX, 2017 the repo man tried to get my car. My payments are current. My contracted payment is {$170.00} every two weeks. I pay {$200.00} every two weeks to pay a little extra. Broadway Auto Mall in XXXX, KY told me if I want to keep my car I was going to have to start paying {$250.00} every two weeks because I 'm XXXX behind but no one can explain this. I ca n't afford {$250.00} every two weeks. I bought my car with a payment reasonable for me. I do n't know what to do and I need my car for my job. I was sick the weekend my payment was due. It was just due on XXXX XXXX, 2017! They 're trying to repossess my car for a couple days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 

XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights. 

XXXX  account XXXX XXXXXXXX XXXX XXXX  Has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX  account XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX accounXXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

Also 15 u.s.c.1681 section 602A states I have a right to privacy.

15 u.s.c. 1681 section 604A section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c ( a ) 5 ; No consumer reporting agency containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than 7 years. 

15 u.s.c 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a 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

Transunion is reporting unauthorized inquiries on my credit file. Under the FCRA and FDCPA, I WAS NOT NOTIFIED in writing before these inquiries were placed on my credit report. I do not recognize any of those inquiries. My right to privacy was violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed account listed on credit file with multiple errors : late payment history, missing data, incorrect balance and unrecognized interest and fees. Disputed account with credit bureau to obtain validation of data being reported. They have knowingly reporte inaccurate, unverified data without proper debt validation. I requested that XXXX XXXX provide validation under FCRA sec 609 but after 60 days I have yet to receive proof and this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen several years ago and over the past 2 years there have been may fraudulent accounts listed on my report. Also I was included in several MASS data breaches which greatly exposed me. I am in Desperate need of all of this fraudulent information removed and blocked from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to Bank Of America And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From My XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I was scammed and deposited a total of {$7400.00} into another person 's Chase account into two transactions. 

{$2400.00} on XX/XX/2021 {$5000.00} on XX/XX/2021. 

A few days later I found out this account is fraudulent and contacted Chase bank. The person I spoke to advised me that there is nothing they can do with out police report. The same day filed a police report and contacted the bank again today XX/XX/2021 and despite all the documents and communications I have from the scammer, they told me there is nothing they can do to retrieve the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX  XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX # : XXXX have 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 an 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: Debt collection

Delta outsource group contacted me on Friday XX/XX/XXXX in reference to a debt that was sent to them to collect on. I attempted to inform the representative that I had no knowledge of debt and that I would like more information mailed to me. The representative said she wouldnt send any information unless I provided her my information that she would need in order to try and use it to claim I owed this debt I knew nothing about. 

I notified the company in writing of my requests that they provide documentation of this debt. I have received more phone calls every day since XXXX XXXX and nothing in writing. The agent today XX/XX/XXXX called and I explained u have not been provided any documents that suggest I owe a loan and she acknowledged that my request for these documents was received. The agent then started to get angry and hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make a hard inquiry with this company. This was fraud. I never authorized inquiry on XX/XX/2017 2017
Product: Credit reporting or other personal consumer reports

Please delete and remove all late payments. You are violated my rights and breaking the law. if you do not remove all missed or late payments. Litigation lawyer will be my next step. I have spoke with an attorney and he is willing to advise if I can not get resolved by you following the law. 15 U.S.C. 6802 is a section of the United States Code that deals with privacy protections under the Gramm-Leach-Bliley Act ( GLBA ). This section specifically addresses the obligations of financial institutions to respect the privacy of their customers ' nonpublic personal information ( NPI ). Here are the key points of 15 U.S.C. 6802 : 1. **Notice Requirements** : Financial institutions must provide clear and conspicuous notices to their customers about their privacy policies and practices. This notice must be given at the time of establishing a customer relationship and annually thereafter. I received no clear and suspicious notice about your privacy policy. You indicated that you send a letter to my home 1 month later with a welcoming letter indicating such. You did not send nor did I receive any letter. According to the law I was to be presented with this information at the time of the sale and annually. None of this occurred.

2. **Opt-Out Right** : Customers must be given the opportunity to opt out of having their NPI shared with nonaffiliated third parties. This means that before a financial institution can share NPI with nonaffiliated third parties, they must provide customers with a way to opt out of this sharing. I told sales person at the time of purchase that I do not want my business transactions sent to a third party ( agencies ).

3. **Exceptions** : There are several exceptions to the opt-out requirement. For example, financial institutions can share NPI without providing an opt-out option for purposes such as : - Processing and servicing transactions requested or authorized by the consumer.

- Maintaining or servicing the customer 's account. I did not authorize for my servicing transactions to be sent to any third party.

- Complying with legal requirements.

- Preventing fraud and unauthorized transactions.

4. **Disclosure of Privacy Policy** : Financial institutions must disclose their privacy policies and practices regarding the sharing of NPI with both affiliates and nonaffiliated third parties. This includes categories of information collected, categories of information disclosed, and categories of third parties with whom information is shared. I did not authorize for my servicing transactions to be sent to any third party.

5. **Compliance and Enforcement** : The Federal Trade Commission ( FTC ) and other federal regulatory agencies are responsible for enforcing compliance with these privacy protections. Financial institutions that fail to comply with the requirements can be subject to penalties and enforcement actions. You have failed to comply with the requirements and laws that protect clients from bullies like you. I request that the missed payments are deleted and removed immediately.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX Balance : {$6700.00}.
Product: Debt collection

CMRE Financial Services was reported to my credit in XXXX of XXXX. I have never received a letter or notice that this debt existed giving me the opportunity to dispute it before it was reported on my credit. I have not been in a hospital in years. It also appears that this {$59.00} debt is for a hospital in California.I live in Alaska and could not have incurred this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one account and the inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.
Product: Credit card

This all occurred between XX/XX/year>, and XX/XX/year>. I did not authorize any of the charges to Apple during this period.

After noticing the unauthorized transactions, I contacted Apple directly. They refunded about half of the charges and labeled them as fraud. When I asked why not all of the charges were refunded, I was informed that there was not enough information and was advised to contact my credit card company that is an apple card with Goldmansacks, which I did. The credit card company refunded a select few of the charges, but I am still left with a significant number of unauthorized charges on my account. I have made XXXX rounds of disputes, but none have resulted in a satisfactory resolution. 

Additionally, I reached out to XXXX, and they have confirmed that the account XXXX was closed due to fraudulent activity. 

XX/XX/scrub>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  : {$21.00} I am particularly troubled by the fact that Apple and goldmansacks has selectively refunded some of these charges, and advised me to contact you to resolve the remaining unresolved charges. 

I have also made various complaints, all of which have been unresolved and without follow-up. Below are the case numbers for your reference : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to XXXX and Equifax see attached document. 

I asked XXXX to remove the XXXX account from my report. I Asked that they send me the actual signed contract or it needs to be removed because it is being reported inaccurately I wrote Equifax and ask them the same including an account for XXXX XXXX XXXX XXXX. 

The have yet to verify these accounts
Product: Credit reporting

I have been asking Equifax to remove hard inquiries that are not mine due to fraud. I have even sent them numerous faxes and letters along with police reports. I have been told they were in the process of removing the inquiries. I have been checking and calling everyday for months only to find they still remain on my file. Equifax has just now finally added my bankruptcy that had been discharged since XXXX. They have the wrong info from that. I just do n't know what to do anymore.